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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


When to Make Separate Applications

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Question: My wife is completely healthy and takes premarin for menopause. I have high blood pressure and take a low dose of Mavik to keep this controlled. I've been told by Aetna that they charge an extra 25% on top of the standard premium for this. This doesn't seem fair with my wife being so healthy -- why is she being penalized? She goes to curves and stays fit, eats well and takes good care of her self.

Answer: Thanks for your inquiry. In my experience Aetna is a company that will underwrite a family application and automatically split an application at approval if it's in the customer's best financial interests. Let me give you an example of how this would work: if you are approved at a rate of 25% over standard rate and your wife is approvable at standard rates they would split your application up so that the higher rate applies only to you. This would prevent your wife from being penalized. Various companies handle this situation in different ways. Sometimes it is best to make separate applications. It really depends on the insurance carrier.

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