SI
SI
discoversearch

We've detected that you're using an ad content blocking browser plug-in or feature. Ads provide a critical source of revenue to the continued operation of Silicon Investor.  We ask that you disable ad blocking while on Silicon Investor in the best interests of our community.  If you are not using an ad blocker but are still receiving this message, make sure your browser's tracking protection is set to the 'standard' level.
Strategies & Market Trends : World Outlook
 Public ReplyPrvt ReplyMark as Last ReadFilePrevious 10Next 10PreviousNext  
To: John Koligman who wrote (28196)9/21/2022 8:55:43 PM
From: Rarebird  Read Replies (1) of 48776
 
I went through underwriting two years ago when my Cigna Plan G plan became expensive and I switched to a comparable Aetna Plan G plan. I saved over $60 a month by switching with the exact same benefits. The underwriting questions were not to bad. I got approved right away. My Cigna supplemental Plan G went from $139 to close to $200 in 3 years so I switched to Aetna Plan G supplemental. I have already gotten one increase after a year to $147 monthly premium. Plus, I like the Aetna Plan G better since I can use it anywhere in the USA while the Cigna Plan G was network restricted.

I called up United Health Advisors and they came up with all the cheaper Plan G plans fairly quickly and asked all the underwriting questions. The questions were mostly geared to cancer, heart attack questions. They did ask about whether I had diabetes. But that was about it. They never asked questions about neurological issues, which I had with my C5 and C6 nerve passage ways pretty narrow and causing some pain around my shoulders and back. I suppose they did not ask about that because that is not a big expense unless surgery is required. Expenses there are for physical therapy and a possible cortisone shot. Surgery is a bit risky with success rate about 80-85%. And the underwriting questions were geared towards health issues over the last year, nothing was asked about issues from a few years out. I thought the underwriting questions were a joke.

Rate increases from Aetna have been much more modest than what I got from Cigna.
Report TOU ViolationShare This Post
 Public ReplyPrvt ReplyMark as Last ReadFilePrevious 10Next 10PreviousNext  

HomeMailHotSubjectMarksPeopleMarksKeepersSettings
Terms Of UseContact UsCopyright/IP PolicyPrivacy PolicyAbout UsFAQAdvertise on SI
© 2025 Knight Sac Media.  Data provided by Twelve Data, Alpha Vantage, and CityFALCON News