Who Carriers Do Congestive Heart Failure?

[Meghan28]

I am in MA. Client willing to sign asap if I can find a carrier who can do chf.

PS-He does not want a 2 year wait so no guarantee issue.

 

[Rearden]

Aetna will do CHF as Graded (partial) Coverage.

Make sure he's not diabetic.

 

[Meghan28]

He is not. Aetna I do not have them as a carrier. Who else can do?

 

[WinoBlues]

He is not. Aetna I do not have them as a carrier. Who else can do?

Maybe it would be easier to list your compainies

 

[Gooner]

Maybe it would be easier to list your compainies

I tried telling her that... Her response... All the usual ones...soooo Aetna is pretty much a usual one...you can't help those who won't help themselves

 

[Rearden]

He is not. Aetna I do not have them as a carrier. Who else can do?

If memory serves me, they are the only one that will give some sort of partial first day coverage.

 

[HoosierLife]

If memory serves me, they are the only one that will give some sort of partial first day coverage.

^^^^That is correct. Except Trans if it has cleared up. Like a misdiagnosis, over 4 years ago.

 

[Jerard]

Last year I got an old guy approved with UHL. It had been about 4 years since he'd had it and wasn't on any maintenance meds. The old fool passed the POS but never coughed up his first premium. You can't fix stupid.

 

[John Galt]

Last year I got an old guy approved with UHL. It had been about 4 years since he'd had it and wasn't on any maintenance meds. The old fool passed the POS but never coughed up his first premium. You can't fix stupid.

Fixing stupid is what the op needs to work on.

 

[PaperHanger]

Doesn't Americo give level coverage for chf if Diagnosed > 2 years ago?