- 1,328
I'm thinking risk pool on this case.. anything else I can do?
Type 2 Diabetes
HBP controlled with meds
5'6, 180lbs, Female
Type 2 Diabetes
HBP controlled with meds
5'6, 180lbs, Female
Risk Pool?
- Thread starter joshril
- Start date
G
Guest
Guest
Tell her to get a job with a company that has benefits.... or have her start her own business and hire someone (if small-group ins. is GI in her state).... or see if she might be elig. for Medicaid.
Al
- Thread starter
- #3
- 1,328
She is about a year and half away from Medicare and she is retired. That being said, I guess the risk pool is what I'm looking at...
G
Guest
Guest
18 months away from Medicare? Maybe you could write her a short-term policy with diabetes waivered out (if not in CA). Or maybe you could try one of the impaired risk carriers?
Worst comes to worst, she goes 'naked' for 18 months and then picks up m-care. How expensive is her diabetes meds, etc? How much is she going to spend month to month on healthcare for the next 18 months?
I still think she should get a job somewhere she can get benefits... maybe at a telemarketing center or perhaps a clerical government job... for the next year or so.
Al
- Thread starter
- #5
- 1,328
Her COBRA is ending May 31st. The premium amount is around $600/mo.. I dont think she is interested in working.
- Thread starter
- #7
- 1,328
That's great! Do you know of any off the top of your head?
I'm appointed with
GR
Assurant
Unicare
World
GTL
American Republic
just do risk pool and forget about it, spend time selling to the healthy
- Thread starter
- #9
- 1,328
Typically that is my policy, but the reason I asked is this a close family friend.
- 14,808
Risk Pool. STM not covering any pre-ex is too much liablity for her. And if she's a very good family friend you can make her understand (I'm sure she already does) that if she dropped some weight the HBP and type 2 would disappear.
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