UHC takes 1-2 weeks to refund premiums. As of yesterday, they no longer charge premiums when the application is submitted. IMO, it was bad business to charge the premium up front when they require a 30-day effective day wait. They are basically getting a free 30-day float on the money. I have suggested to my rep many times that it's a deal-killer for a lot of people coming from another policy that's already been paid. Guess they finally listened.
Also, not to pick on you, but a polyp is always minor until they find a cancerous one...then it becomes a problem. I personally think all companies should underwrite like BCBS where they will rate up instead of put exclusion riders, but that has its own problems because it results in more declines.
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