Are you looking for burial insurance after a stent surgery? If so, you need to read this.
Sudden cardiac arrest is a heart attack that can happen to anyone. But for those who have had a heart attack, the risk of sudden cardiac death increases significantly.
And unfortunately, even if you survive the initial heart attack, you may not be so lucky the next time.
That’s why it’s essential to think about what will happen after a sudden cardiac death occurs.
If you don’t have burial insurance, your loved ones will be left with hefty bills to cover all the expenses related to your death—which can be devastating for everyone involved.
But there is another option: burial insurance after a stent. This policy will help cover some or all of the costs associated with your funeral arrangements.
It can also help cover any other expenses related to your passing (like paying off any outstanding debts).
Quick Article Navigation
- What is burial insurance after stents?
- Why do you need burial insurance after a stent?
- What does Burial Insurance After Stent cover?
- How does Burial Insurance After Stents Work?
- Do I need a medical test to qualify for Burial insurance for a heart stent?
- Burial Insurance Underwriting With Stent
- What are the benefits of burial insurance after stents?
- How much does Burial Insurance After Stent cost?
- How do I apply for burial insurance with a heart stent?
- How To Get The Best Burial Insurance With Heart Stent?
What is burial insurance after stents?
Burial Insurance after the stent is a life insurance policy that covers the funeral expenses of the insured person. It is also called Funeral Bond or Funeral Policy.
A stent is a thin, mesh-like tube placed inside a blocked artery to keep it open.
It’s often used to treat coronary artery disease (the most common type of heart disease). After surgery, a stent can also be placed in an artery in the leg or groin to reopen a blocked blood vessel.
Many people think they don’t need burial insurance after a stent because they have health insurance, but this isn’t always the case.
Health insurance will generally only cover some medical expenses related to your recovery from surgery, not all of them.
In many cases, you may be responsible for paying out-of-pocket costs such as deductibles and co-insurance.
And if you don’t have enough coverage or if your employer doesn’t offer a range, you could end up paying thousands of dollars out of pocket for your recovery — which is why it’s essential to consider adding burial insurance after stents to your policy.
What are the symptoms of a stent?
The symptoms of stent placement can vary depending on where it is placed and how long you have had it. The symptoms of having a stent are:
- Chest pain, which can be severe enough to mimic a heart attack
- Difficulty breathing or shortness of breath
- Dizziness and lightheadedness
- Pain in the arms, shoulder, jaw, or neck
- Fever or chills
- Bruising around the incision site
- Bleeding from the incision site
- Sweating and nausea.
Some stent patience develops cardiomyopathy.
Why do you need burial insurance after a stent?
When you have a stent on your heart, it is essential to ensure you have the best care possible.
In addition to having an excellent primary care doctor and cardiologist, you must ensure that your family is taken care of when you pass away. You can do it with burial insurance after a stent.
You should have this type of insurance because it will help your family with all the expenses they need to pay when you are gone.
These costs can be extremely high, mainly if complications occur after the procedure.
There are many different types of funeral plans out there today. Some people choose cremation, while others prefer burial services.
What does Burial Insurance After Stent cover?
Burial insurance after a stent covers many of the same expenses as traditional life insurance policies, including funeral costs, medical bills related directly to your treatment, and any other debts left behind by you when you died — such as unpaid credit card debt or back taxes owed.
It also covers lost wages due to being unable to work while recovering from circulatory surgery.
If you go on disability or miss so much work that it affects your career, burial insurance can help replace lost income after a stent.
In addition to covering these costs, burial insurance after stent also provides reimbursement for any non-medical expenses incurred during your treatment.
For example, if you had to take time off work for chemotherapy, burial insurance can cover any lost wages and travel expenses associated with those treatments after a stent.
How does Burial Insurance After Stents Work?
The idea behind burial insurance after the stent is to provide financial protection in the event of death. Burial insurance after stent works by offering a lump sum payment in the event of your death.
The payout can cover funeral costs, debt repayments, or other expenses related to your passing.
The amount paid out depends on the type and level of coverage you choose. The more comprehensive your policy is, the more money you will receive in the event of a claim.
Do I need a medical test to qualify for Burial insurance for a heart stent?
No. No medical test is required to qualify for burial insurance for a heart stent.
You only have to answer a few basic questions about your health when applying for funeral insurance. You won’t need to submit any medical documents or blood or urine samples throughout the application.
The insurance provider will usually give you official approval in minutes!
Read What Our Clients Say About Us
Burial Insurance Underwriting With Stent
What information do insurance companies typically request during the underwriting process?
- Typically ask about your overall health and any other illnesses you may have.
- They will also ask about your history of prescribed medications.
These questions help determine how high or low your risk is for developing certain diseases such as heart disease.
Most burial insurance companies will ask this question multiple ways. Typically be asked in many ways. The following are questions that you will see when applying for heart stent surgery:
- Has a doctor advised you to have heart surgery in the last two years?
- In the past two years, have you had surgery for heart disease? (This includes angioplasty, bypass, and stents.)
- Are you currently experiencing chest pain or discomfort from your heart?
- Have you had surgery to improve circulation or remove a blood clot in your brain or heart?
- Are you currently taking any medication related to circulation?
- Have you had any recent health problems related to circulation?
Check The Prescription history.
During the underwriting process, your insurance company will ask for details about your current medications, including generic names and dosage amounts.
The purpose of this is to confirm your health status and to identify any potential red flags.
Common medications for stent surgery:
Clopidogrel (Plavix): This medication helps prevent blood clots from forming in the arteries by thinning the blood. It can also reduce inflammation and lower your risk of having another heart attack or stroke.
Prasugrel (Effient): Prasugrel is another blood thinner that works by preventing platelets in your blood from sticking together and forming clots. Prasugrel is used for up to 12 months after you receive a drug-eluting stent to help prevent blood clots from forming on the stent and causing heart problems or death.
Ticagrelor (Brilinta): This is another blood thinner and may be prescribed for up to 12 months after surgery.
Aspirin: Aspirin helps prevent blood clots from forming and may be prescribed after stent surgery, but only if the patient has not had stomach bleeding or ulcers in the past year.
Statins: Statins are drugs that lower cholesterol levels in your blood, which can help prevent heart attacks and strokes caused by blocked arteries in your heart or brain.
Some of these medications also treat arrhythmia issues.
What are the benefits of burial insurance after stents?
- It is an excellent way to prepare for the future.
- It is usually a low-cost investment.
- It is comprehensive and covers all costs associated with death, including funeral expenses and any outstanding debts of the deceased person.
- It offers peace of mind to those who have loved ones that have undergone stent procedures and want to make sure that they will be taken care of in case something happens to them in the future.
- It is an affordable way to protect yourself from unexpected events like death or critical illness, which could financially ruin you or your family.
What Information Do We Need If You Have a Heart Stent?
When applying for final expense insurance with a heart stent, providing as much information as possible will give us a better understanding of your health condition.
The questions we will ask you about your heart stent history include the following:
- When was your first heart stent surgery?
- What type of stent did you have?
- How many stents have you had? Is it just one or multiple?
- Do you have any complications related to the stents?
- Are there any restrictions on what activities you can do at this time?
- What medications have you been taking since your stent surgery?
- Are you experiencing any complications?
- Do you have any other medical conditions?
We need to know your medical condition to provide you with the best recommendation. The more information we get, the better our chances of finding affordable insurance coverage.
How much does Burial Insurance After Stent cost?
The cost of burial insurance with a heart stent will vary depending on your situation. The most important factors affecting your premium are age and health status.
The older you get, the more expensive the policy will be. But here are the rates you should’ve looking at.
- Stent placed under a year, Graded/Guaranteed Issue (one to two-year waiting period)
- Placed stent between 1-2 years, Level Standard (No waiting period)
- Stent after two years, Level Preferred (No waiting period)
Some insurers may also require a waiting period before issuing a policy to a person who has had a heart stent procedure.
Heart disease is more common among people over 55 years old, so it’s less risky for insurance companies if they wait until six months after your surgery before issuing coverage.
How do I apply for burial insurance with a heart stent?
Applying for burial insurance when you have a heart stent is similar to using it for any other life insurance policy.
You will need to complete an application online or over the phone with an agent and submit it. Your application must be approved before you can start paying premiums for your new policy.
What are the exclusions and limitations of burial insurance after stents?
Burial insurance after stents is not applicable in all cases. Before purchasing the policy, it is essential to know these exclusions and limitations.
This information will help you decide whether or not this type of insurance is suitable for you.
The policy will not pay for any other medical costs related to your death. For example, if you die from an illness that is not associated with your heart condition, then it may not be covered by your burial insurance policy.
If you have a pre-existing condition not diagnosed before purchasing the policy, you may not cover that condition either.
For example, if you had high blood pressure but did not seek treatment for it until after purchasing your burial insurance policy, it would not be covered since it was never diagnosed before you bought it.
Another vital exclusion that applies to burial insurance after stents are a terminal illness, which means that if you contract an incurable disease such as cancer or AIDS during the period of your policy, then it would not be applicable anymore.
If you have a pacemaker, make sure you bring it up to your agent, as some carriers have certain underwriting guidelines that aren’t favorable.
What happens if you die from a heart stent?
If you die from a heart stent, your family may be entitled to compensation for their losses.
The first question that comes to mind is whether or not the insurer will pay for the funeral expenses. That depends on how much coverage you have and what it covers.
The next question is how long it takes for an insurance company to pay a claim. Some companies pay out quickly, while others take months or years.
How To Get The Best Burial Insurance With Heart Stent?
If you are diagnosed with a heart stent, then there is a chance that you will die from this disease in the future. The question that many people ask is, what happens if you die from a heart stent?
What happens to your family after you pass away?
If you have got burial insurance after a stent, then your family will be able to receive compensation for your funeral expenses and other related costs associated with your death.
It can make it easier for them to grieve correctly after losing someone so close and help them financially.
At our agency, you’ll work with a team of highly experienced Final Expense Insurance Specialists of InsuranceForBurial.com.
We have access to the country’s top-rated A+ insurance companies, so you can be sure you’re getting the best possible policy. Plus, we offer innovative additional benefits at no extra cost.
We are passionate about providing the best burial or final expense insurance coverage for everyone, regardless of their health issues.
Call us at (855) 380-3300, and we’ll be happy to help you.
Everyone must know how burial insurance can cover their final wishes, should it be necessary.
If you or a loved one were ever to receive treatment for a heart stent that would lead to death, burial insurance could help with expenses associated with the funeral.
With this information in hand, hopefully, everyone will make sure that their burial insurance is intact and current. After all, who knows what tomorrow may bring?
Burial insurance is a good idea because it helps you have peace of mind as you get older and ensures that all your family members have everything they need.
Call us at (855) 380-3300, or fill out the quote form on this page for an accurate burial insurance quote so that you can start to make the necessary arrangements for your family.
Monaco, L. (2022, May 22). The Truth About Burial Insurance with Pre Existing Conditions [2022 Review]. InsuranceForBurial.Com. https://insuranceforburial.com/blog/burial-insurance-pre-existing-conditions/