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Hi all:
I have a client that just received restrictive riders from GR. 1) 14 day waiting period deleted (don't even know what this is). 2) Cholesterol outpatient (indefinite duration). 3) Increased PCS DED +$900 (Indefinite Duration).
Not sure what to do at this point. She has 20 day free look, but I don't think I can get her through underwriting with another carrier quickly enough. Is this common? Also, what should I get in writing from GR?
She doesn't have any coverage presently. Should I just have her keep the policy and look for another? I think I should have her fill out an Aetna app since she has Credible Prior Coverage. No other carrier will waive without prior coverage.
Lastly, she does qualify for a portability plan now, but if she accepts this coverage and Aetna doesn't take her, then she's stuck in this plan.
Any other thoughts would be great too.
I have a client that just received restrictive riders from GR. 1) 14 day waiting period deleted (don't even know what this is). 2) Cholesterol outpatient (indefinite duration). 3) Increased PCS DED +$900 (Indefinite Duration).
Not sure what to do at this point. She has 20 day free look, but I don't think I can get her through underwriting with another carrier quickly enough. Is this common? Also, what should I get in writing from GR?
She doesn't have any coverage presently. Should I just have her keep the policy and look for another? I think I should have her fill out an Aetna app since she has Credible Prior Coverage. No other carrier will waive without prior coverage.
Lastly, she does qualify for a portability plan now, but if she accepts this coverage and Aetna doesn't take her, then she's stuck in this plan.
Any other thoughts would be great too.