So where do you put a 55 year old husband, HBP on Norvacs, 55 year old wife 5.6 180 pounds HBP on Lotrel and Benicar - hospitalized for a week with a urinary tract infection in 2003, currently has Mega, doesn't want anything excluded, owns a construction biz and horse farm and has money all over the place and wants everyone covered while being under $400 a month?
You guessed it.
Interesting deal. She was happy to be under $1,000 yesterday until I sent her the Assurant alt. quote chart that listed all the rates. Then she wanted the $10,000 deductible. I thought that was kinda high and she comes back with "listen, we could pay a $20,000 or even $50,000 bill without a problem. We just want cataclysmic coverage but we also want all of our current conditions covered." Done. Very savvy lady - knows the deductible really doesn't matter, only what the plan actually covers.
Interesting to note that I brought up how she had a GR plan in the past; 180 pounds, 2 HBP meds, UTI hospitalization? She told me her "agent" (have to use the term loosely) told her he'd "help her out" and listed her weight at 150, and only noted 1 HBP med. What a guy!
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