Underwriting
Questions to ask for HBP
height/weight
sleep apnea/asthma
Smoker
How long have you had the med? 12 months
Any change in dosage in the past 12 months?
What is the benefit amount for an MRI on Plan Level 2?
$1000
I take a thyroid med. What questions do you ask?
Hypo/Hyper
Goiter, Thyroid Nodules, Hashimotos, Nodules, Cyst?
Medication?
Surgery?
Non-cancerous?
Recovered?
How many states does USHA sell in?
33 including PA & AZ
60/40 out of pocket max
10k
What is the period for kidney stones?
2 years, single episode
At what age is a Mammogram covered?
35 or older
What types of skin cancer are okay? Also, waiting period..
Basel & Squamous Cell, 6 months after successful surgical removal.
No melanoma!
In what states do we sell Premier Choice?
Maryland, Ohio, Indiana.
2500, 3750, 5000
Drill down for anxiety/depression
PCP/Psych
How long?
Counseling or therapy?
What is the out of network Out of Pocket Max for PA?
$9,000
I have migraines...
Date of diagnosis
Medications?
Surgery?
Injections or auras?
How much do you get paid monthly if you sell Exec Diamond vs Pearl?
Exec Diamond - $18
Pearl - $2.80
Family of 6
80/20 - 5k ded
What is the total deductible and out of pocket for family?
15k ded
6k out of pocket max
21k total
How would you list Endometriosis?
SURGICALLY CORRECTED WITH, HYSTERECTOMY/LASER SURGERY, AND WITH FULL RECOVERY
Is coverage under the Premier Advantage Fixed Indemnity Plan guaranteed renewable?
YES!
Prospect had meniscus surgery 6 months ago, is fully recovered. Will they get approved on PA?
Not on Premier Advantage, 1 year wait period.
Yes on Secure Advantage, Rider.
What is the yearly limit they pay out for HAGI?
300k
What is Scottys middle name?
Jaymes
Can you be on anxiety meds for 15 years and get approved for the plan?
No, they consider that as chronic depression/anxiety. 7 years is the maximum.
In what states does preventative care not have a waiting period?
Texas, Missouri, Maryland, Indiana, & Ohio
What is the waiting period for someone with a torn rotator cuff?
There is none. Full mobility, successful treatment or surgical repair with full recovery.
What are the non-association states?
Nevada, Utah, South Dakota, Kansas, Maryland
Who has the second highest AV on Diesel?
LION KING