Accendo

Accendo – part of AETNA / CVS Health

ACCENDO QUOTES

  • no questions on HEIGHT / WEIGHT
  • Needs payment by bank account / routing
  • Immediate benefit for many conditions including: diabetes (insulin) diag prior to age 50, SCHIZOPHRENIA & BIPOLAR Ok, A-FIB Heart attack, stroke, COPD, MS, Parkinsons, Lupus, Hep-C @level (if 2yrs+).
  • Diabetes+COMPLICATIONS = Modified Graded (or AmGen GI may be cheaper).

Issue ages 40-89
eAPP eSIG options: Text PIN or esig. The Sender is “Adobe Acrobat” and the Subject is “Signature requested”. You will use the last 4 digits of your SSN as the password.

CLIENTS can register online, view policy etc
Able to change payment info over the phone or client can do it online.
Not available in: NY.
Nicotine patch is considered tobacco.

Founded 1853 (170+ years old)

**Certain states are pre-appointment – must be appointed before submit app: AL, KY, LA, MT, OH, PA, UT, VT, WA and WI

 

 

Medical questions:  (see pdf/Application)

Health Questions on ACCENDO AETNA Application

Section A

If any “Yes” answers in Section A, applicant is not eligible for coverage from Accendo (- TO CHECK Transamerica FE Express in that case). 

  1. Are you currently:

    • A. Confined in or been advised to enter a hospital, nursing home, skilled nursing facility, psychiatric facility, or correctional facility?

    • B. Receiving or been advised to receive home health care or hospice care?

  2. Do you use a wheelchair or mobility scooter, or do you have any physical or mental impairment requiring assistance from anyone with the following activities of daily living:

    • Taking medications

    • Bathing

    • Dressing

    • Eating

    • Toileting

    • Getting in or out of bed or chair

    • Moving about

  3. Within the past year have you:

    • A. Used or been advised to use oxygen equipment to assist with breathing (excluding CPAP for sleep apnea), or had or been advised to have kidney dialysis?

    • B. Been advised to have any medical procedure, surgery, or a diagnostic test which has not yet been started, completed, or for which results are not known (excluding tests related to HIV)?

  4. Have you ever received, or been advised to receive:

    • An organ or bone marrow transplant?

    • An amputation due to any disease or complications of diabetes?

  5. Have you ever been diagnosed by a medical professional or tested positive for:

    • Human Immunodeficiency Virus (HIV/AIDS virus)?

    • AIDS Related Complex (ARC)?

    • Acquired Immune Deficiency Syndrome (AIDS)?

  6. Have you ever been diagnosed with, received, or been advised to receive treatment or medication for:

    • A. Amyotrophic Lateral Sclerosis (Lou Gehrig’s Disease), Huntington’s Disease, or sickle cell anemia?

    • B. Alzheimer’s disease, dementia, or mental incapacity?

    • C. Congestive heart failure, pulmonary fibrosis, any terminal condition, or end-stage disease?

    • D. Cerebral palsy, cystic fibrosis, muscular dystrophy, or un-operated heart defects?

  7. Within the past 2 years have you been diagnosed with, received, or been advised to receive chemotherapy or radiation for any form of cancer (excluding Basal or Squamous cell skin cancer)?

  8. Have you ever been diagnosed with more than one occurrence of the same or different type of cancer?

Section B

If any “Yes” answers in Section B, you are eligible for the Modified Plan. (or – check Transamerica FE Express instead)

  1. Within the past 2 years have you been diagnosed with, received, or been advised to receive treatment or medication for:

    • A. Alcohol or drug abuse (prescribed or illegal), or used illegal drugs; or been convicted of or plead guilty to driving under the influence?

    • B. Complications of diabetes such as:

      • Diabetic coma

      • Insulin shock

      • Retinopathy (eye disorder)

      • Nephropathy (kidney disorder)

      • Neuropathy (nerve, circulatory disorder)?

    • C. Kidney or liver disease?

  2. Within the past year have you been diagnosed with, received, or been advised to receive treatment for:

    • A. Angina (chest pain), heart attack, cardiomyopathy, or any type of heart or circulatory procedure or surgery?

    • B. Stroke or transient ischemic attack (TIA/mini-stroke), aneurysm, or brain tumor?

Section C

If any “Yes” answers in Section C, you are eligible for the Standard Level Plan.
If all answers are “No” in Sections A, B, and C, you are eligible for the Preferred Level Plan.

  1. Within the past 2 years have you been diagnosed with, received, or been advised to receive treatment for:

    • A. Angina (chest pain), heart attack, cardiomyopathy, or any type of heart or circulatory procedure or surgery?

    • B. Stroke or transient ischemic attack (TIA/mini-stroke), aneurysm, or brain tumor?

  2. Have you ever been diagnosed with, received, or been advised to receive treatment or medication for:

    • A. Parkinson’s disease, Multiple Sclerosis, or Systemic Lupus (SLE)?

    • B. Chronic obstructive pulmonary disease (COPD), chronic bronchitis, emphysema, or any other chronic respiratory condition?

 

ACCENDO QUOTES