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GENERAL QUESTIONS |
Q: |
Does The Cason
Group have any Individual Disability Carriers? |
A: |
No, we do not
currently have individual disability. |
Q: |
What do I do with an individual
who is uninsurable? |
A: |
BlueCross BlueShield of South Carolina is an administrator of the SC Health Insurance
Pool (SCHIP.) Agents are not paid commissions on these
policies so applicants must contact BlueCross BlueShield of South Carolina directly at 803-264-6401. |
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GROUP MEDICAL AND GROUP ANCILLARY |
Q: |
When will groups get their cards? |
A: |
Typically it
is 7-14 business days from the date the group is installed. |
Q: |
Will The Cason Group check the status of a claim for me? |
A: |
We are glad
to. However, we will always need a HIPAA authorization
form filled out by the member in question designating
the agent and The Cason Group account service representative
and authorizing The Cason Group account representative
to receive any PHI. Providing this information upfront
saves time. |
Q: |
How do I add an employee/dependent? |
A: |
Each carrier
has a form that a member needs to complete. However, if
an employee is not a new hire and newly eligible, a qualifying
event must have occurred to have the new member added
without penalty. This excludes groups with an open enrollment
period. |
Q: |
Do I have
to send enrollment/change forms to The Cason Group? |
A: |
This is a great value-added service The Cason Group provides to remove the Administrative Burden from you and our Account Services Team. Account Services, accountservices@thecasongroup.com, would be glad to help by serving you in this way. To ensure correct and timely processing, please ensure that enrollments are legible.
We will be glad to forward the forms to the appropriate
carrier and keep a fax confirmation on record for five
years past a group termination. Or if you choose to send
it to the carrier yourself, be sure to keep a dated fax
confirmation. |
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INDIVIDUAL
HEALTH AND INDIVIDUAL LIFE |
Q: |
Do Individual Carriers do
agent of record changes? |
A: |
The rules concerning agent of record changes vary by carrier. You can contact our licensing and commissions department for more information. |
Q: |
Do I have to be appointed
with an Individual Carrier in order to obtain a quote?
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A: |
Prior to obtaining a quote you must be appointed with BlueCross BlueShield of South Carolina, BlueChoice for Kids, UnitedHealthOne and Humana. Contact your Cason Group Sales Representative for special situations. |
Q: |
Can applications be faxed?
|
A: |
BlueCross BlueShield of South Carolina, CoventryOne, Humana, UnitedHealthOne and West Coast Life will accept
faxed applications. The Cason Group can receive faxed BlueChoice for Kids applications, but they require a check in order to be submitted. |
Q: |
Do Individual policies give
credit for continuous coverage? |
A: |
Individual underwriting
considers pre-existing conditions whether or not the applicant
has had continuous coverage. Conditions may be covered,
excluded, or rated-up. |
Q: |
What companies will do a list
bill for individuals? |
A: |
BlueCross BlueShield of South Carolina, BlueChoice for Kids, Humana of South Carolina and UnitedHealthOne of South Carolina will do bills lists. Please check with The Cason Group for
the requirements. |
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INDIVIDUAL
LIFE |
Q: |
Do I have to submit premium with the application? |
A: |
Initial premium is only needed with the application for the purpose of binding coverage while in underwriting. If your client doesn't wish to bind coverage, premium will only need to be collected once the policy is issued and an offer has been made. |
Q: |
What are common factors used to underwrite an individual for insurance? |
A: |
Coomon factors such as build, blood pressure, cholesterol, family history, travel, MVR and tobacco useage all affect the rating of an applicant in addition to their personal medical history. |
Q: |
Do Individual Carriers rate-up for tobacco use? |
A: |
Some carriers
rate-up 10-20% for tobacco use. BlueCross BlueShield of South Carolina
does not
rate-up for tobacco-use. |
Q: |
How long does it take to get an application approved? |
A: |
Each individual
is different. Some approvals take one to two weeks while
others may take one to two months. Applications may be
held up in underwriting for various reasons such as waiting
on medical records. |
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