Health Access Flip
Hey Mr./Mrs. Client! How are you today?
*Response*
I’m doing okay, just working away, ready for the weekend! What about yourself?
*Response* *Shoot the shit for a minute*
Well I got some updates for you from underwriting. It looks like they found some records indicating *list reasons they were declined* and they’re giving us a little bit of a hard time on that and so I’m not sure that the original option we looked at is going to work. *Take a moment to agree that it’s stupid they got declined / be on their side*
So we got a couple options here for what we can do moving forward. If you want, we can file an appeal. Basically we would have to get your last 5 years of medical records and possibly even a physical and bloodwork, which might be kind of a pain in the ass but I’m happy to file one if you’d like.
In all honesty though, for the amount of headaches that would be and the possibility that they could still decline coverage for that plan anyway, I would probably recommend switching gears and looking at other options.
In good news, the stuff they found wasn’t overtly concerning and they did actually pre approve you for an alternative option that is pretty similar to the first one.
The monthly premium on this one is a little more, it’s sitting at $___/mth and it’s going to run through a carrier called PHCS (Private Healthcare Systems) and is a subsidiary of United. It’s still a PPO, so you still have that open access network that allows you to go where you want and choose your own providers. Still gonna be nationwide, and I did go ahead and confirm that Dr. ________is in-network.
It’s also a $0 deductible, so again, same thing as the last plan where you’re gonna have all of those benefits up front for doctors visits, prescriptions, wellness exams, etc. and no copay. The biggest differences would obviously be the monthly premiums and it’s gonna run through a different network, but even the exclusions and disclosures are the same on the verification call.
As far as the major stuff for surgeries and hospital stays they have up to $5 million dollars worth of coverage for the worst case scenarios so you’re protected there as well, and this one is going to have a $100 initiation fee instead of $40 but that’s just a one time deal.
Since you’ve already been pre approved and I already have your previous application, I have almost everything I need, but obviously I can’t pull up your routing and account when I feel like it. Then we’d have to do another quick verification call, but this one’s probably not more than 5 minutes, they’re just calling to reconfirm that you’re good with that plan and you and I talked, and all your info is correct.
Do you wanna go ahead and snag that one and I can get you a call scheduled?
