Word: peskins
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...Nancy Peskin, account executive for MetLife, says MetLife has an underwriting policy committee with several medical directors that meets once a month to determine premium changes...
...doctors] stay current with the literature, read all the journals, keep up the date with medical developments, and they all have a medical specialty," says Peskin. "They bring to the committee matters which they feel relate to underwriting...
...Peskin says MetLife adjusted rates two years ago for policyholders suffering from coronary heart disease and undergoing modern treatments, such as angioplasty--topics of much recent epidemiology research...
...literature showed that these treatments were very effective and so we did reduce hundreds of thousands of people's health insurance premiums by as much as 50 percent," says Peskin. "It was an acknowledgement that some these treatments were in fact working...
...risk factors are still taken account for individuals seeking personal health insurance. According to Peskin, individual policyholders are asked if they smoke or have high blood pressure...