Here's a story for both insurance agents and health insurance seekers...
I recently submitted an application to Blue Cross Anthem for a 59 year old client knowing we'd have a tough time getting him approved.
He had a complete colonectomy 8 years ago curing him of ulcerative colitis- he has no colostomy and is fully functional, no ailments whatsoever... However as we agents know it does not take much for insurance carriers to decline someone. Sure enough he was declined!
We were then looking at HIPPA plans for him with the least expensive one being $630 with Aetna.
He asked me did he have anything to lose by applying to another carrier- I replied absolutely not, go ahead and apply to every carrier you wish while we get his HIPPA put into effect.
Well, shortly after he applied to Aetna for an individual plan he was approved!!! Granted it was at a rate up but he's still paying $100 less a month then what he'd had with the HIPPA plan.
The Client is extremely happy and I'm ecstatic that I could help him!
Just goes to show you- never give up!