Don't let the beetus defeat us
What is Aetna?
What is the carrier who is the most friendly with narcotics? #narcs
What is Moo/GPM?
I have neuropathy. Am I a knockout?
What is no? (Except with Aetna carriers)
I use oxygen only at night, but the VA provides it to me. Which carrier(s) would I be approved with?
What is universal health knockout?
With which carriers should I directly connect my client with an underwriter?
What is any Aetna carrier, Manhattan Life/WULA, Cigna?
I had a stroke 3 years ago and have been diagnosed pre-diabetic. Who can I be approved with?
What is universal hko?
OR
What is AARP?
What is the carrier who is most friendly with Heart conditions/ heart medications?
What is Cigna?
I just completed my cataract surgery 1 week ago. My last follow-up visit with my doctor is tomorrow evening. Am I a knockout?
What is yes?
*If they are still under the doctor's care, then they are a temporary knockout
I take anastrozole because I was diagnosed with breast cancer 3 years ago. Which carrier(s) can I be approved with, if any?
What is Mutual of Omaha/GPM?
I use a walker occasionally. Which carriers specifically ask about this?
What is Cigna, Manhattan Life/WULA, Humana, Americo?
Which carriers include a 2x2x2 rule in relation to diabetes?
I receive injections for wet macular degeneration every 3 months- which carrier(s) can I be approved with?
What is every carrier but Aetna/ Aetna companies?
I have diabetes and a prescription for nitroglycerin but have never taken it. Am i a knockout and if so, why?
What is Yes?
Diabetes with a heart condition
*Sidenote: This would be approved with AARP*
Which of these medications is on the DDL for every carrier? (excluding AARP)
a. methotrexate
b. aricept
c. ranexa
d. cloxapine
e. plavix
What is b.?
Aricept is a medication that treats dementia- this is declinable with every.single.carrier. (yes, even AARP!)
I got diagnosed with atrial fibrillation 28 months ago and it has been stable, controlled with propanolol, which carrier(s) can i be approved with, if any?
What is Americo, Cigna, Manhattan Life/WULA, MoO and GPM, AARP?
I take:
metformin- 50 mg, 2x daily
humalog- 60 units, 1x daily
losartan- 25 mg, 1x daily
amlodipine- 50 mg, 2 x daily
What carrier(s) can I be approved with?
What is MoO/GPM?
What is everyone?
I was diagnosed with Discoid Lupus 25 years ago. Am I a health knockout and if so, why?
What is No? Can be approved with Aetna carriers.
Discoid lupus specifically is ok with Aetna carriers. Systemic lupus is a universal HKO.
Which of these medications is one that you would want to ask your client more about?
a. pantaprozole
b. lisinopril
c. atorvastatin
d. tamsulosin
e. alendronate
f. none of these
e. all of the above
What is ALL of these?
We want to ask the client "Why are you taking that medication?" every single time. Never want to assume we know the answer!
What is Aetna companies?
I take:
amlodipine: 25 mg, 1 x daily
losartan: 50 mg, 1 x daily
atorvastatin: 25 mg, 2 x daily
metformin: 25 mg, 1 x daily
lisinopril: 50 mg, 1 x daily (increased from 25 mg, 9 months ago)
Which carrier(s) can I be approved with?
What is universal hko?
OR
What is AARP?
Jane Doe:
67 years old- UW Switcher
Non-Tob Ht: 5'0" Wt: 210
Medications:
lisinopril: 25 mg, 1 x daily
omeprazole: 10 mg, 2 x daily
valacyclovir: 15 mg, as needed
tamsulosin: 30 mg, 1 x daily
atorvastatin: 10 mg, 2 x daily (put on this 1 week ago)
Which carrier(s) would I be declined with & why?
What is Mutual of Omaha, GPM, Cigna, Manhattan Life, WULA, Humana, Americo?
Reason: Height & Weight
John Doe- 78 years old
Male. TOB. Ht: 5'8" Wt: 190 lbs
spiriva- 25 mg, 1 x daily
breo- 50 mg, as needed
losartan- 25 mg, 2 x daily
omeprazole- 10 mg, 1 x daily
Am I a healthknockout and if so, why?
What is yes?
This would typically be approved with Aetna, but the real kicker is that John is a tobacco user. COPD and use of Tobacco is a health knock out.
Any other carrier declines because of COPD.
I am taking lisinopril, but claim it is not for high blood pressure. Name 3 other conditions I could potentially be taking this for.
What is congestive heart failure, cardiomyopathy, heart attack, stroke?
I see a psychiatrist once every 3 months for my anxiety. Which carrier(s) would I be approved with, if any?
What is Aetna companies, Americo, MoO/GPM?