Originally Posted by
busdriver12
No physical exam needed, however, many questions. I got turned down the first time for reporting that I saw a cardiologist, who found something trivial and in the range of normal. He had to write them a letter, requesting they reconsider, then they finally gave me the FDX MEC policy. They doubled the premium, and the cost was too crazy expensive. I dropped the policy and started the ALPA policy. Easier to get, cheaper but lower benefits. Apparently so many people stopped the FDX MEC policy after the rate jump that they started allowing more people to get it, instead of looking for any reason to say no.
I had a previous medical issue also and had no problem getting on the FDX MEC policy. The rates got cut in half about 2 years ago and the 12 month wait is what the 24 use to be. I guess like any insurance experience can vary from time to time.