And for my next trick . . .
I shall try to find coverage for a 51 year old woman who has borderline osteopenia (the more minor form of osteoperosis). Her doctor gave her a prescription in 2004, she filled it once, and hasn't taken anything since. The doctor told her she could either take the drug or make healthy diet changes (calcium, fish oils, etc.). "No further treatment."
American Community ridered it. The client is an occupational therapist and knows fully well that ridering osteopenia means ridering anything to do with your bone structure. So, should she break her arm next year, it's likely it won't be covered.
I'm about to do some homework with a variety of underwriting guidelines and phone calls, but does anyone know off the top of their heads of a carrier who will rate up ostepenia/osteoperosis and not rider it?
Many thanks in advance!
I shall try to find coverage for a 51 year old woman who has borderline osteopenia (the more minor form of osteoperosis). Her doctor gave her a prescription in 2004, she filled it once, and hasn't taken anything since. The doctor told her she could either take the drug or make healthy diet changes (calcium, fish oils, etc.). "No further treatment."
American Community ridered it. The client is an occupational therapist and knows fully well that ridering osteopenia means ridering anything to do with your bone structure. So, should she break her arm next year, it's likely it won't be covered.
I'm about to do some homework with a variety of underwriting guidelines and phone calls, but does anyone know off the top of their heads of a carrier who will rate up ostepenia/osteoperosis and not rider it?
Many thanks in advance!