N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
In past year, advised to have surgery or hospitalization which you're still awaiting.
N/A
N/A
N/A
Currently or been advised or planning to have surgery.
Ever diagnosed or treated for (also HIV, ARC & an Immune Deficiency Disorder).
Ever.
OK ages 50-80.
Ever.
Ever.
Ever for ages 0-49 including HIV.
Ever including HIV.
OK ages 50-80.
Ever including HIV and ARC.
Ever tested positive or diagnosed (also HIV).
Ever diagnosed/treatment/advised/meds including tested positive for HIV.
Ever diagnosed.
OK ages 40-80 for guaranteed issue if ever diagnosed. Also HIV.
Ever.
Ever had or been treated for, also HIV.
Ever.
Guaranteed issue only. If HIV/AIDS virus only = Graded.
Ever diagnosed (also HIV).
Ever.
N/A
OK ages 50-80.
Ever.
Ever.
For ages 0-49 any neuromuscular disease.
Ever.
OK ages 50-80.
Ever.
Ever diagnosed, advised or rec'd treatment/meds for.
Ever.
OK ages 40-90.
If in past 24 months had/been treated for/recommended/meds, OK ages 40-80 for guaranteed issue.
Ever.
Ever, Myelodysplastic syndrome (MDS) also.
Ever.
Guaranteed issue only.
Ever diagnosed or rec'd treatment/meds for.
Ever.
N/A
OK ages 50-80.
Ever.
Ever.
Ever.
Ever.
OK ages 50-80.
Ever diagnosed, received or advised treatment/med including memory loss.
Ever, also mental incapacity.
Ever diagnosed, received or advised treatment/med including memory loss.
Ever diagnosed/treated for, including current treatment for memory loss.
If in past 24 months had/been treated for/recommended/meds, OK ages 40-80 for guaranteed issue. Also organic brain disease.
Ever including memory loss.
Ever had/treated for/advised treatment, Huntington's disease & Myelodysplastic syndrome (MDS) also.
Ever.
Guaranteed issue only.
Ever diagnosed or rec'd treatment/meds for (also organic brain disease, mental incapacity, memory loss, cognitive disorders).
ever due to disease.
N/A
OK ages 50-80.
ever due to diabetic complications.
ever due to any disease.
ever ages 0-49 if due to disease.
ever caused by disease.
OK ages 50-80.
in past 2 years if due to diabetes.
ever due to disease or complication of diabetes.
ever due to complications of diabetes.
ever had/recommended due to complications of diabetes.
If in past 24 months had/been treated for/recommended/meds due to disease, OK ages 40-80 for guaranteed issue.
ever for amputation due to diabetic complications.
ever due to diabetic complications, quadriplegia & paraplegia.
in past 2 years due to complications of any disease
if caused by disease
ever (other than at the time of an accident or trauma)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Treatment within 3 months. All others are ok.
OK for Classic Advantage graded plan if diagnosed in last 24 months. Otherwise OK for full benefit.
N/A
OK ages 50-80
last 6 months = decline, Last 24 Months without a surgery to repair = Graded, Last 24 Months but with surgery to repair = Level
in past year = Modified. In past 2 years = Standard
for ages 0-49 if in past 3 years
in past 2 years = ROP. In past 3 years = Graded
OK ages 50-80
N/A
If diagnosed/advised/treatment in past year = Graded, in past 2 years = Standard. If over 2 years = Preferred.
2 years had/diagnosed or not repaired, also brain tumor
OK ages 40-90
If in past 24 months = graded benefit plan
in past 2 years
N/A
in past 2 years
more than 1 yr = Standard, in past year = Graded
N/A
Ever
N/A
OK ages 50-80
diagnosed in the last 2 years = Graded, also if diagnosed over 2 years & NOT on a daily blood thinner such as Xarelto, Eliquis, Pradaxa, Coumadin or Warfarin = Graded, if diagnosed over 2 years & ARE on a daily blood thinner = Level.
N/A
for ages 0-49, irregular heartbeat in past 3 years
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
ever including irregular heartbeat
If over 2 years, OK for level death benefit. Otherwise, graded or decline.
N/A
N/A
N/A
N/A
OK ages 50-80
N/A
N/A
N/A
N/A
OK ages 50-80
N/A
if confined or advised to enter a psychiatric facility
OK ages 40-90
OK for level benefit plan
N/A
N/A
N/A
Current age 0-17 = Decline. Mild (Highly Functional) = Preferred. All others = Decline
N/A
Any disease/disorder of the immune system
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
For ages 0-17 only
N/A
N/A
OK ages 50-80
in past 4 years, also manic depressive. Also, suicide attempt is a decline.
N/A
ever ages 0-49
N/A
OK ages 50-80
N/A
confined or advised to enter a psychiatric facility
N/A
OK ages 40-90
OK for level benefit plan
N/A
4 years for bipolar depression
ever
Bipolar diagnosed more than 1 year go = Standard; diagnosed less than 1 year = Graded. Depression = Preferred
For ages 0-17 only - Depression, Bipolar & Schizophrenia = Decline. Anxiety, attention deficit disorder (ADD/ADHD) & any other psychiatric mental or emotional condition/disorder = Standard. Ages 18-85 = Preferred
N/A
N/A
OK ages 50-80
ever including Myelodysplastic Syndrome (MDS)
any type of circulatory procedure or surgery = Standard
ever for ages 0-49 for hemophilia = decline. For ages 0-49 with blood clots in past 3 years = ROP
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
If in past 24 months = graded benefit plan
N/A
unexplained gastrointestinal bleeding only in the past 12 months
N/A
Bipolar diagnosed more than 1 year go = Standard; diagnosed less than 1 year = Graded. Depression = Preferred
For ages 0-17 only, platelet disorders or any other abnormality of the spleen, bone marrow, or blood. For ages 18-85 = preferred if no complications
OK for Classic Advantage graded plan if diagnosed/treated in last 36 months. Otherwise OK for full benefit.
N/A
OK ages 50-80
N/A
In past year = Modified. In past 2 years = Standard
N/A
N/A
OK ages 50-80
in past 2 years diagnosed/treated/meds/advice
If diagnosed/advised/treatment in past yr = Graded, in past 2 yrs = Standard. If over 2 yrs = Preferred.
past 2 years had/diagnosed/treated for brain tumor or have/diagnosed with a brain tumor or that has not yet been treated or is being monitored or observed
OK ages 40-90
OK for level benefit plan
in past 2 years
4 years also bipolar depression
N/A
Bipolar diagnosed more than 1 year go = Standard; diagnosed less than 1 year = Graded. Depression = Preferred
OK for ages 18-85. For ages 0-17, any disease/disorder of the brain = Standard
Decline if diagnosed or treated in last 24 months. OK for Classic Select full benefit plan if diagnosed/treated/advised in past 25 mo to 5 years. OK for Classic Elite full benefit if over 5
N/A
OK ages 50-80
Ever for Metastatic or Recurrent Cancer or cancer of the same type (Stage 3 or Stage 4 cancer) = Decline, Last 2 years = Decline, Last 4 years = Graded EXCEPT FOR Breast, Cervical, Colon Rectum Anus, Endometrial (Uterine), Kidney/Ureter, Melanoma (skin/mole), Prostate, Testicular, Thyroid Cancer Stage 1 only = Level
in past 2 years is a decline. Also, if ever been diagnosed with more than one occurrence of the same or different type of cancer is a decline.
for ages 0-49, in past 5 years treated/diagnosed/meds for internal cancer, melanoma, Hodgkin's disease, leukemia or lymphoma
currently have any form of cancer = Decline. Ever diagnosed/treated/meds for more than one occurrence of cancer in your lifetime or in past 2 years for any form of cancer = ROP. In past 3 years diagnosed/treated/hospitalized/meds for any form of cancer = Graded
OK ages 50-80
ever for metastatic, two or more occurrences of cancer of any kind or a recurrence of a previous cancer. In past 2 years for internal cancer, malignant melanoma & squamous cell cancer is a decline.
in past 2 years including advised/received chemo or radiation or any treatment (excluding basal & squamous cell skin), also ever been diagnosed with more than 1 occurrence of the same or different type of cancer = decline
Decline if currently have or ever had/diagnosed with more than 1 occurrence of the same or different type of cancer, excluding basal cell skin cancer. If in past 3 years diagnosed/treatment including chemo, radiation or any other type of treatment (excluding basal cell skin cancer) = Basic graded
in past 2 years if diagnosed/meds/treatment for cancer (excluding Stage A Prostate Cancer, Carcinoma in Situ, and Squamous Cell/Basal Cell Carcinoma)
If currently have or being treated for or been treated for a recurrence of a previous cancer or metastatic cancer = OK ages 40-80 for guaranteed issue. If in past 3 years including malignant melanoma, leukemia, Hodgkin's disease, myeloma, or lymphoma = graded benefit plan.
Decline if ever for 2 or more instances of internal cancer(s). If in past 2 years, including lymphoma, leukemia or any form of cancer or received or been advised to receive chemotherapy or radiation for cancer (excluding basal cell skin cancer) = Graded. Otherwise, Preferred
Decline if ever for metastatic cancer or recurrent cancer of the same type & past 2 years any cancer (also excluding squamous cell skin cancer). If in past 4 years including Leukemia, Melanoma, any other internal = graded.
ever more than 1 occurrence of same or different type of cancer or currently receiving treatment (including meds) for any cancer (excluding basal cell skin cancer) = decline. In past 3 years diagnosed/treated/meds for cancer including malignant melanoma, leukemia & multiple myeloma = Modified.
Basal cell skin = Standard, treatment completed more than 5 years = Standard; treatment completed in past 2-5 years = Graded; treatment completed in last 2 years = Guaranteed issue; more than 1 occurrence = Guaranteed issue
Ages 18-85: Cancer within 2 years, also if ever had metastatic cancer, recurrent cancer, multiple cancers & metastasis to lymph nodes = Decline. Cancer free & no treatment in past 2 years = Standard. For ages 0-17 only, all cancer is a decline.
Ever
N/A
OK ages 50-80
N/A
Ever
for ages 0-49, including any neuro-muscular disease
in past 3 years
OK ages 50-80
Ever.
Ever.
OK if all health questions on the app are answered No & depending on meds
OK ages 40-90
OK for level benefit plan
Ever.
mild to moderate = OK, severe = decline
N/A
N/A
ever diagnosed or rec'd treatment/meds for
ever for chronic respiratory disorder (excluding asthma & sleep apnea) = Advantage
N/A
OK ages 50-80
hospitalized more than once in the past 24 months
N//A
N/A
N/A
OK ages 50-80
N/A
chronic Bronchitis = Standard
ever had/treatment/meds for COPD, chronic bronchitis, emphysema, or any other type of chronic lung disease or ongoing respiratory condition (excluding asthma or sleep apnea)
OK ages 40-90
OK for level benefit plan
N/A
12 months
N/A
N/A
chronic Bronchitis = Standard
PAD & PVD only = Advantage. Procedure to improve brain circulation in past 24 mo = Advantage
N/A
OK ages 50-80
N/A
any type of circulatory procedure or surgery = Standard
ever for ages 0-49 any circulatory disorder
Any circulatory surgery in past 2 years = ROP, in past 3 years = Graded
OK ages 50-80
N/A
If diagnosed/advised/treatment for any type of circulatory procedure or surgery in past year = Graded, in past 2 years = Standard. If over 2 years = Preferred. CAD in combination with diabetes is modified.
includes surgery performed on any of the arteries of the body, including but not limited to coronary arteries, the aorta, arteries in the neck, legs and abdomen - Within 2 years = Modified
OK ages 40-90
if circulatory surgery only in past 24 months = graded benefit plan
ever for PVD & PAD = Standard. Circulatory surgery in past 2 years = Graded. Otherwise, Preferred
ever for PAD & PVD
circulatory surgery in past 2 years
N/A
N/A
OK for Classic Advantage graded plan if diagnosed/treated in last 36 months. Otherwise OK for full benefit.
N/A
OK ages 50-80
Ever
in past 2 years = Modified
ever for liver failure ages 0-49 = decline. Ages 0-49 with liver disease = ROP
ever for liver failure = Decline. In past 2 years = ROP. If taken meds in past 3 years for cirrhosis, Hepatitis C, or liver disease = Graded
OK ages 50-80
ever, also liver failure
diagnosed/advised/treatment/meds in past 2 years = Graded.
ever liver disease or condition, including Hepatitis B or C & cirrhosis
OK ages 40-90
If in past 24 for Hepatitis B or C or chronic hepatitis only = graded benefit plan
in past 2 years
Decline if ever for cirrhosis. Hepatitis C = graded
ever for Stage C = decline, Stage A or B, chronic hepatitis or other liver disorder = Graded
Cirrhosis = Guaranteed issue, Hepatitis B & C = Standard
For ages 18-85, liver disease or disorder (exluding fatty liver disease = Standard, cirrhosis is Standard. For ages 0-17, any liver disease = Standard
ever diagnosed, treated for or meds, also cardiac defibrillator implant (except pacemaker)
N/A
OK ages 50-80
Ever
Ever
ever for ages 0-49
Ever
OK ages 50-80
ever
ever diagnosed, advised or rec'd treatment/meds for
ever diagnosed, received or advised treatment/med for Cardiomyopathy, Congestive Heart Failure (CHF), Pulmonary Hypertension, or any other type of heart failure or heart muscle disease
OK ages 40-90
If in past 24 months had/been treated for/recommended/meds, OK ages 40-80 for guaranteed issue
ever
ever
ever
Guaranteed issue only
CHF, heart failure & Diastolic heart failure
N/A
N/A
OK ages 50-80
if in past 4 years
N/A
ever for ages 0-49
Ever
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
N/A
N/A
N/A
N/A
N/A
OK for Classic Advantage graded plan if ever diagnosed/treated/advised. Chronic asthma is OK for Classic Select full benefit.
N/A
OK ages 50-80
COPD & tobacco use = Decline, also if hospitalized more than once in the past 24 months = Decline. COPD if Not hospitalized in last 24 months & non tobacco user = Graded. Chronic Bronchitis (Chronic Cough) if Hospitalized more than once in past 24 months = Decline. Emphysema if Hospitalized more than once in past 24 months = Decline.
Pulmonary Fibrosis is a decline. in past 2 years = Standard
for ages 0-49, if in past 3 years including chronic bronchitis
ever for respiratory failure = decline. In past 2 years for COPD, emphysema, chronic bronchitis = ROP. In past 3 years if taken meds for emphysema, chronic bronchitis, chronic obstructive pulmonary disease (COPD) = Graded
OK ages 50-80
ever including chronic lung problem (except asthma & allergies)
if ever diagnosed/advised/treatment/meds, including chronic bronchitis
ever had/treatment/meds for COPD, chronic bronchitis, emphysema, or any other type of chronic lung disease or ongoing respiratory condition (excluding asthma or sleep apnea)
OK ages 40-90
If in past 24 months had/been treated for/recommended/meds for respiratory failure, cystic fibrosis & pulmonary fibrosis only, OK ages 40-80 for guaranteed issue. If in past 24 months for chronic pulmonary disease, emphysema, COPD, or chronic bronchitis or required the use of oxygen or oxygen equipment = graded benefit plan
ever for pulmonary fibrosis is a decline. Ever for COPD, chronic bronchitis & emphysema = Standard
ever, also chronic lung disease, bronchitic & sarcoidosis
ever also tuberculosis
Standard
For ages 18-85 - COPD, emphysema, black lung, chronic asthma, chronic bronchitis & respiratory disease/disorder is Standard but could be Preferred with activity credits. Sleep apnea with CPAP with supplemental oxygen or oxygen concentrator use = Standard, without oxygen = Preferred. Mild Asthma (no daily simptoms, no limitations to daily activities, no reduced lung function, no regular use of steroids, no ER visits or hospitalizations due to asthma in past 5 years) = Preferred. Ages 0-17 only, asthma & any other disease/disorder of the lungs/respiratory system = Standard
if diagnosed or tested positive, wait 14 days from the date of diagnosis or positive test to take the application, a phone interview will be ordered. If they've been hospitalized overnight due to covid, case will be postponed until 3 years medical records are received, at the clients expense.
N/A
OK ages 50-80
OK
N/A
If it has been more than 90 days since fully recovering from COVID, and they had/have no complications or residual effects for longer than 90 days, we can consider issuing IMMEDIATE coverage. If it has been less than 90 days since testing positive for and/or full recovery from the corona virus, or if in the past 30 days, have been advised by a medical professional to get specified medical care (such as any diagnostic testing or hospitalization) which was not completed as result of fever, cough, shortness of breath, fatigue (excluding HIV/AIDS) then then they can get ROP
If it has been more than 90 days since fully recovering from COVID, and they had/have no complications or residual effects for longer than 90 days, we can consider issuing IMMEDIATE coverage. If it has been less than 90 days since testing positive for and/or full recovery from the corona virus, or if in the past 30 days, have been advised by a medical professional to get specified medical care (such as any diagnostic testing or hospitalization) which was not completed as result of fever, cough, shortness of breath, fatigue (excluding HIV/AIDS) then then they can get ROP
OK ages 50-80
If tested positive, have to wait 90 days
No restrictions
N/A
OK ages 40-90
OK for level benefit plan
N/A
ever, also chronic lung disease, bronchitic & sarcoidosis
N/A
N/A
Over age 70 who've been diagnosed with COVID-19 will be postponed for a minimum of 6 months from date of recovery. Age 70 & under will be postponed for a minimum of 3 months from date of recovery.
N/A
N/A
OK ages 50-80
OK
N/A
ever for ages 0-49
N/A
OK ages 50-80
N/A
N/A
Check medication list
OK ages 40-90
OK for level benefit plan
N/A
N/A
N/A
N/A
For ages 0-17 only, any disease/disorder of the intestine or colon
ever
N/A
OK ages 50-80
OK
ever
ever for ages 0-49
N/A
OK ages 50-80
N/A
ever diagnosed or recommended treatment/meds for
N/A
OK ages 40-90
If in past 24 months had/been treated for/recommended/meds including pulmonary fibrosis, OK ages 40-80 for guaranteed issue
ever
ever
N/A
N/A
ever diagnosed or recommended treatment/meds for
N/A
N/A
OK ages 50-80
in past year
N/A
in past year for ages 0-49
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
N/A
N/A
N/A
N/A
N/A
N/A
OK for Classic Advantage graded plan if any complications or if diabetes is not under control or used insulin prior to age 50. After age 50 is OK unless there are complications.
N/A
OK ages 50-80
Decline if A1C = 10+, amputation due to diabetes, hospitalization in past 2 years due to diabetes or if had a Stroke or Coronary Disease. Graded if A1C = 8.7 to 9.9 or if A1C = 8.6 or Less & on insulin. Level if A1C = 8.6 or Less & NOT on insulin
only complications of diabetes = Modified
in past year for ages 0-49
used insulin prior to age 50, or combined with any medical history of any of the following: Retinopathy, Nephropathy, Neuropathy, insulin shock or diabetic coma = ROP
OK ages 50-80
N/A
Any complications in past 2 years including diabetic coma, insulin shock, retinopathy, neuropathy, nephropathy = graded. Otherwise, Preferred.
ever been diagnosed with diabetes and have also been diagnosed with, or advised to receive treatment for: Retinopathy (problems with your eyesight), Nephropathy (kidney disease or kidney damage), Peripheral Neuropathy (nerve damage or numbness). Also, in past 2 years have you been hospitalized for 48 hours or more that you were advised was due to diabetes. Otherwise, OK for Preferred.
Decline only if had/recommended an amputation due to complications of diabetes
Ok ages 40-80 for guaranteed issue if in last 24 months diabetes with complications or in combination with a prior diagnosis of: stroke/TIA, heart disease or disorder, neuropathy, kidney disease, any circulatory disease that affects the heart and/or blood vessels, diabetic coma, or insulin shock. Also, if diagnosed prior to age 30 = guaranteed issue.
Decline if diabetes at age 9 or younger. Decline if in the past 2 years been diagnosed/treated/advised treatment or meds for uncontrolled diabetes, diabetic coma or insulin shock. Insulin dependent = Standard. Otherwise, Preferred.
ever for insulin shock or diabetic coma = decline. After age 45 is fine unless there are complications (retinopathy, nephropathy, neuropathy or peripheral vascular disease PVD or PAD). Complications at any age = graded.
only complications of diabetes is mentioned as a decline. All others are OK.
With no insulin = Preferred. With insulin & no complications = Standard. Any complications = Graded
For ages 18-85, if ever been in diabetic coma or had/advised to have an amputation due to disease or disorder = decline. All others = Standard. For ages 0-17, any type 1 or 2 diabetes = Decline
N/A
N/A
OK ages 50-80
N/A
N/A
in past 12 months for ages 0-49 if been prohibited from actively working full time (30+ hour/week) at your regular occupation due to any illness, injury, or health related problem, or are you currently receiving benefits, compensation, or pension for disability, or are you currently unemployed due to medical reasons
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
N/A
N/A
N/A
N/A
N/A
Ever
N/A
OK ages 50-80
N/A
N/A
ever ages 0-49
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
ever
ever
N/A
N/A
ever diagnosed or rec'd treatment/meds for
OK for Classic Advantage graded plan if diagnosed/treated in last 36 months. Otherwise OK for full benefit.
N/A
OK ages 50-80
Decline if Narcotics without a prescription (such as amphetamines, hallucinogens, heroin, or cocaine) in last 2 years. Graded if Substance Abuse (Alcohol or Drugs) in past 2 years.
in past 2 years prescribed or illegal drugs, or used illegal drugs = Modified
in past 2 years including used illegal drugs & had or been recommended to have treatment or counseling for alcohol or drug abuse
in past 2 years including recommended to have treatment or counseling for alcohol or drug use or been advised to discontinue use of alcohol or drugs
OK ages 50-80
in past 2 years for abuse/dependency/addiction
in past 2 years, diagnosed/advised/treatment/meds for prescribed or illegal or used illegal drugs
2 years had/diagnosed/treatment, also illegal drugs
OK ages 40-90
If in past 24 months including dependency, or addiction, illegal drug use or misused prescription drugs = graded benefit plan
in past 2 years diagnosed/treated/meds/advised including use of illegal drugs or dependency on prescription medication
2 years, also convicted more than once of reckless driving or DUI & used unlawful drugs or prescription drugs other than prescribed by a Doctor
in past 2 years including advised to restrict use
over 3 years, no current use = Standard, in past 3 years no current use = Graded, others = Guaranteed issue
For ages 18-85, Decline if used illegal drugs or been diagnosed with, treated for alcoholism, alcohol use/abuse, or drug use/abuse (including prescription drugs) in past 2 years. Within 2-4 years = Graded. Within 4-10 years = Standard. Over 10 years = Preferred. For ages 0-17 = decline
Ages 18-35 - OK for Classic Select full benefit if no DUI within 5 years, 3 or less violations within 3 years & license not revoked within 3 years. OK for Classic Elite full benefit if no DUI within 5 years, 2 or less DUI within 10 years, 2 or less violations within 5 years & license not revoked within 5 years. Ages 36-85 - OK if no DUI within 3 years & 3 or less violations within 3 years.
N/A
OK ages 50-80
in past 2 years
in past 2 years = Modified
in past 2 years including if had license suspended or revoked
N/A
OK ages 50-80
N/A
in past 2 years, been convicted of or pled guilty to DUI
N/A
OK ages 40-90
OK for level benefit plan
N/A
in past 2 years for more than 1 reckless driving conviction or DUI/DWI
N/A
For ages 18-85, including reckless driving & OWI within 2 years & multiple offenses in last 5 years = Decline, within 2-5 years = Standard, over 5 years = Preferred. For ages 0-17 = decline
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
For ages 0-17 only, decline
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Proposed insured, owner, or payor is employed in the cannabis industry or a cannabis-related business
N/A
N/A
OK ages 50-80
N/A
N/A
N/A
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
N/A
12 months
N/A
N/A
N/A
OK for Classic Advantage graded plan if been on probation, parole, convicted of, pled guilty to any crime or to possession or distribution of drugs/illegal substance in last 36 months. Otherwise OK for full benefit. Incarcerated is a decline.
N/A
OK ages 50-80
in past 2 years. Currently incarcerated in a decline.
currently in correctional facility is decline
in past 2 years been convicted of a felony for ages 0-49
currently
OK ages 50-80
in past 6 months confined to correctional facility only
confined or advised to enter a correctional facility
currently in correctional facility is decline
OK ages 40-90
OK for level benefit plan unless incarcerated. Incarceration is a decline
in past 2 years including have you plead guilty to or been convicted of a felony or misdemeanor or do you have such a charge currently pending against you
2 yreas, including currently awaiting trial. Incarcerated is a decline.
N/A
For ages 18-85, currently incarcerated = Decline. Felony (Convicted of or pleaded no contest) within 3 years & multiple offenses in past 10 years = Decline, within 3-5 years = Graded, within 5-10 years = Standard, over 10 years = Preferred. For ages 0-17 = decline
Decline if diagnosed w/heart attack in last 6 months or ever received a cardiac defibrillator implant (except pacemaker). within 7-24 months = Classic Advantage graded plan. If due to atrial fibrillation = Select. If due to another type of arrhythmia = Elite. Peripheral Artery & Vascular disease in past 24 months = Advantage. OK for Classic Advantage graded plan if in last 24 months diagnosed w/enlarged heart, angina, peripheral vascular disease, pacemaker implant, stent, angioplasty or bypass surgery or diagnosed with heart attack in last 7-24 months. Otherwise OK for full benefit.
N/A
OK ages 50-80
Angina in past 6 months is a decline. Angina in past 2 years & non-tobacco is level, tobacco is graded. AFIB diagnosed in the last 2 years = Graded, also if diagnosed over 2 years & NOT on a daily blood thinner such as Xarelto, Eliquis, Pradaxa, Coumadin or Warfarin = Graded, if diagnosed over 2 years & ARE on a daily blood thinner = Level.
Coronary Artery Disease with Angioplasty/Stenting/Bypass Grafting in past 6 mo = Decline, past 24 monthd & tobacco use = Graded, last 24 months & non-tobacco = Level. Heart attack in last 6 months = Decline, in last 24 months & tobacco use = Graded, in past 24 months & non-tobacco = Level.
Un-operated heart defects is a decline. In past year for angina, heart attack, cardiomyopathy, or any type of heart or circulatory procedure or surgery = Modified. In past 2 years for angina, heart attack, cardiomyopathy, or any type of heart or circulatory procedure or surgery = Standard
for ages 0-49, ever including heart or circulatory disease/disorder, congestive heart failure, cardiomyopathy, heart valve disease & Marfan's syndrome = Decline. For ages 0-49 with irregular heart beat = ROP
in past 2 years for angina, cardiomyopathy, heart attack or had/advised any type of heart circulatory surgery (including, but not limited to a pacemaker insertion, defibrillator placement), or any procedure to improve circulation = ROP. In past 3 years = Graded except for cardiomyopathy (ROP)
OK ages 50-80
ever for defibrillator placement & cardiomyopathy. Also in past year for angioplasty, stent, heart valve disease, coronary disease or heart disorder
ever for CHF, unoperated heart defects & pulmonary fibrosis is decline. If diagnosed/advised/treatment for angina, heart attack, cardiomyopathy or any type of heart or circulatory procedure or surgery in past yr = Graded, in past 2 years = Standard. If over 2 years = Preferred.
Decline if ever diagnosed, received or advised treatment/med for Cardiomyopathy, Congestive Heart Failure (CHF), Pulmonary Hypertension, or any other type of heart failure or heart muscle disease. In past year for heart attack, angina, or taken medication for angina, pacemaker or defibrillator implant, cardioversion treatment, or any other type of heart or circulatory procedure, including heart ablation = Basic graded. In past 2 years = Standard.
if in past 2 years for defibrillator implant only
If in past 24 months had/been treated for/recommended/meds for cardiomyopathy, OK ages 40-80 for guaranteed issue. Also if in combination with diabetes = guaranteed issue. If in past 24 months with angina, heart attack, irregular heart rhythm, any heart surgery including pacemaker or defibrillator placement, cardioversion, stent placement, bypass, angioplasty, ablation, valve replacement/repair = graded benefit plan.
in past 2 years including stent & circulatory surgery = Graded. Decline if ever for CHF, cardiomyopathy & heart defibrillator implant. Ever for irregular heartbeat, AFIB, peripheral vascular disease or peripheral artery disease = Standard. Otherwise, Preferred
Decline if in past 12 months - heart disease or heart surgery only, including ablation. In past 2 years including coronary artery disease, cardiomyopathy, angioplasty, valvular heart disease w/surgical repair or replacement, ablation & irregular heart rhythm = Graded.
in past 2 years for heart attack, agina, cardiomyopathy & any heart or circulatory surgery
including Cardiomyopathy & coronary artery disease if diagnosed more than 2 years = Standard, if diagnosed in past 2 years = Graded. Defibrillator = Guaranteed issue. Pacemaker placed more than 1 year ago = Standard, if placed in past year = Graded
For ages 18-85, any heart disease = Preferred. For ages 0-17, cardiac surgery & heart failure = decline, Congenital heart disease, Irregular heartbeat/arrhythmia, Murmur, any other disease or disorder of the heart or blood vessels = Standard
ever had/recommended
N/A
OK ages 50-80
ever for any organ transplant
Ever
ever for ages 0-49
had/advised to have organ transplant
OK ages 50-80
ever
ever received or advised to receive
ever recommended/advised organ or bone marrow transplant
if in past 2 years advised to get an organ transplant
If in past 24 months had/been treated for/recommended/meds, OK ages 40-80 for guaranteed issue
ever including stem cell treatment
ever received or advised to receive
currently or in past 30 days
ever
ever, including donor stem-cell. Self-donated tissue transplant = Preferred
Yes, see chart
N/A
No requirement
Yes, see chart
No requirement
Yes, see chart. Also ages 0-49 if in the past 12 months had surgical treatment for morbid obesity = ROP
Yes, see chart
No requirement
Yes, see chart
No requirement
Yes, see chart
No requirement
No requirement but if in past 12 months had any unexplained weight gain or loss greater than 10 pounds = guaranteed issue
Yes, see chart
Yes, see chart
Yes, see chart
For Preferred only - see product guide
Yes, see chart
OK for Classic Advantage graded plan if diagnosed/treated in last 36 months. Otherwise OK for full benefit.
N/A
No requirement
Ever for Hep B only
in past 2 years for any liver disease = Modified
for ages 0-49 ever including chronic hepatitis
ever for liver failure = Decline. In past 2 years including chronic hepatitis = ROP. If taken meds in past 3 years for Hepatitis C or liver disease = Graded
OK ages 50-80
ever excluding recovered Hep A
diagnosed/advised/treatment/meds in past 2 years = Graded.
ever liver disease or condition
OK ages 40-90
If in past 24 months including chronic hepatitis = graded benefit plan
in past 2 years including Chronic hepatitis
ever for Hepatitis C only
chronic hepatitis or other liver disorder
For ages 18-85, any liver disease/disorder = Graded. For ages 0-17, any liver disease = Standard
N/A
N/A
OK ages 50-80
N/A
N/A
for ages 0-49 if treated/diagnosed with high blood pressure prior to age 30 or taking 3 or more medications for high blood pressure
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
Decline if in the past 2 years been diagnosed/treated/advised treatment or meds for uncontrolled high blood pressure
N/A
N/A
N/A
N/A
OK for Classic Advantage graded plan if diagnosed/treated in last 24 months. Otherwise OK for full benefit.
N/A
OK ages 50-80
in past 3 years. Also, suicide attempt is a decline.
N/A
N/A
N/A
OK ages 50-80
in past 6 months hospitalized for 48 hours or more
confined or advised to enter a psychiatric facility
N/A
OK ages 40-90
OK ages 40-90 unless currently hospitalized
N/A
In past 2 years
currently or in past 30 days including psychiatric facility = decline, in past 2 years if hospitalized for mental/nervous disorder = Graded
N/A
mental incapacity, cognitive impairment, memory loss & motor neuron disease
currently (also institutionalized in penal or psychiatric facility)
currently
OK ages 50-80
currently or been advised to enter
currently including psychiatric facility
N/A
currently
OK ages 50-80
in past 6 months, hospitalized is for 48 hours or more, receiving home health care for a chronic or debilitating condition only
currently or been advised to enter, also skilled nursing facility & psychiatric facility
currently, also psychiatric or correctional facility, skilled nursing facility & advised to receive hospice
currently, including mental care facility
OK ages 40-90 unless currently hospitalized
in past year including been unable to care for yourself. Also if been confined to a hospital for more than 5 days total or advised to be hospitalized & have not is a decline.
currently also advised to have care in NH, skilled nursing facility, home health, hospice
currently or in past 30 days including psychiatric facility
currently hospitalized = Guaranteed issue, hospitalized more than 2 weeks in past year = Graded, others also including memory care = Guaranteed issue
decline if bedridden, residing in a nursing home, assisted living, or long term care facility, receiving hospice, palliative, or home healthcare. Hospitalization currently is decline, within 12 months = Standard
ever
N/A
OK ages 50-80
ever
ever
ever for ages 0-49
N/A
OK ages 50-80
N/A
ever
ever prescribed Aricept, Cognex, Donepezil, Exelon, Razadyne, or Namenda
OK ages 40-90
OK for level benefit plan
ever
ever
N/A
N/A
ever
N/A
any disease/disorder of the immune system
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
ever
N/A
N/A
N/A
N/A
N/A. Only decline if surgery has been recommended or is pending
N/A
OK ages 50-80
in past year, been advised to have any surgical or medical treatment which has not been done, or for which results are not known
in past year, been advised to have any medical procedure, surgery, or diagnostic test which has not been started, completed, or for which results are not known
for ages 0-49 in past year surgery or hospitalization recommended but has not been completed or results have not been received
in past 2 years, had any diagnostic testing (excluding HIV), surgery, or hospitalization advised by a medical professional which has not been completed or for which the results have not been received
OK ages 50-80
in past year surgery or hospitalization which has not been completed
in past year, been advised to have any medical procedure, surgery or diagnostic test not started, completed or results not known (excluding HIV testing)
in past 12 months surgery, hospitalization or diagnostic test which hasn't been started, completed or results unknown
OK ages 40-90
Ok ages 40-80 for guaranteed issue if in past 12 months had any treatment, diagnostic testing, surgery, or hospitalization recommended by a medical professional which have not been completed or for which the results have not been received
if in past year, advised to have surgery or hospitalization which you are still awaiting
past 12 months, also hospitalization & diagnostic testing
in past 12 months, diagnostic test, surgery, home health care or hospitalization not yet started, been completed or results not known
N/A
If been advised or planning to have surgery requiring general anesthesia
Dialysis is a decline if in last 12 months. OK for Classic Advantage graded plan if diagnosed/treated in last 36 months or kidney transplant (no dialysis in past 12 months). Otherwise OK for full benefit.
N/A
No requirement
Advanced or End Stage Renal Disease or in need of dialysis = Decline. Chronic Kidney Disease in past 4 years = Graded
in past year for dialysis or advised to have dialysis is a decline. In past 2 years for kidney disease is Modified. End stage kidney disease is a decline.
ever for ages 0-49
dialysis = Decline ever diagnosed/treated/meds for renal insufficiency, kidney failure, chronic kidney disease = ROP
OK ages 50-80
dialysis = Decline ever diagnosed/treated/meds for kidney failure, chronic kidney disease
had or advised to have dialysis = decline. End-stage kidney failure is a decline. Kidney disease in past 2 years diagnosed/advised/treatment/meds = graded.
past 12 months for kidney dialysis & end-stage = decline. If ever diagnosed/treated/meds for chronic kidney disease, chronic renal insufficiency, or any other type of kidney disease or condition (excluding kidney stones) = Standard
in past 2 years for dialysis only
If in past 24 months had/been treated for/recommended/meds, OK ages 40-80 for guaranteed issue. Also, if in combination with diabetes = guaranteed issue.
ever for dialysis & kidney failure = Decline. In past 2 years for kidney disease = Graded
Dialysis is decline if ever, also end state renal disease. In past 4 years for kidney disease = graded.
dialysis in past 12 months = decline, kidney failure or other chronic kidney disease = Graded
chronic kidney disease on dialysis = Guaranteed issue, chronic kidney disease & kidney failure diagnosed less than 1 year = Guaranteed issue, diagnosed more than 1 year = Graded
For ages 18-85 - Any kidney disease or disorder & kidney failure = Standard. For ages 0-17 only, any disease/disorder of the bladder, kidney, urinary or reproductive organs = Standard
OK for Classic Advantage graded plan
N/A
No requirement
In past 4 years
in past 2 years = Standard
ever for ages 0-49
in past 2 years
OK ages 50-80
N/A
if ever diagnosed/advised/treatment/meds
ever diagnosed/meds/advised
OK ages 40-90
If in past 24 months = graded benefit plan
in past 2 years
4 years
ever
ever
N/A
If smoked in the past 12 months, tobacco rates apply. If ingested, tobacco rates do not apply.
N/A
OK ages 50-80
N/A
N/A
for ages 0-49 any illegal drug use in past 2 years
if used illegal drugs in past 2 years
OK ages 50-80
N/A
N/A
Ok with non-tobacco rates
OK ages 40-90
OK for level benefit plan
N/A
If used in past 2 years
non-smoker rates
N/A
Tobacco rates apply. Decline if insured, owner or payor is employed in the cannabis industry or a cannibus-related business
mental retardation is decline
N/A
OK ages 50-80
ever
ever
for ages 0-49 for mental retardation
ever
OK ages 50-80
N/A
ever, also confined or advised to enter a psychiatric facility
Ok with non-tobacco rates
OK ages 40-90
OK for level benefit plan
ever
ever
if currently or in past 30 days committed to psychiatric facility = decline, if hospitalized in past 2 years for mental/nervous disorder = Graded
N/A
For ages 18-85, mental incapacity, cognitive impairment, memory loss = Decline. For ages 0-17 only, anxiety, attention deficit disorder (ADD/ADHD), any other psychiatric mental or emotional condition/disorder = Standard
ever
N/A
OK ages 50-80
ever for mental incapacity
currently confined to psychiatric facility
ever for ages 0-49
ever for mental incapacity
OK ages 50-80
N/A
confined or advised to enter a psychiatric facility & mental incapacity
Ok with non-tobacco rates
OK ages 40-90
OK for level benefit plan
ever for mental incapacity
ever
N/A
N/A
cognitive impairment, memory loss, mental incapacity & motor neuron disease
EVER diagnosed
N/A
OK ages 50-80
ever
in past 2 years = Standard
ages 0-49 including any neuro-muscular disease
in past 3 years
OK ages 50-80
N/A
if ever diagnosed/advised/treatment/meds
Ok with non-tobacco rates
OK ages 40-90
if in past 3 years, OK for graded benefit plan
in past 2 years
4 years also bipolar depression
N/A
ever = Standard
ever
N/A
OK ages 50-80
N/A
N/A
ever for ages 0-49
in past 3 years
OK ages 50-80
ever
ever diagnosed or received treatment/meds for
N/A
OK ages 40-90
OK ages 40-80 for guaranteed issue, graded benefit plan
ever
N/A
N/A
N/A
For ages 0-17 only = decline
OK for Classic Advantage graded plan if diagnosed/treated in last 36 months
N/A
OK ages 50-80
OK for Level benefit
in past 2 years = Modified
for ages 0-49, if currently in combination with diabetes
ever
OK ages 50-80
in past 2 years
ever including coronary artery disease
ever been diagnosed with diabetes and have also been diagnosed with, or advised to receive treatment for: Retinopathy (problems with your eyesight), Nephropathy (kidney disease or kidney damage), Peripheral Neuropathy (nerve damage or numbness)
OK ages 40-90
Ok ages 40-80 for guaranteed issue if in last 24 months diabetes with complications or in combination with a prior diagnosis of: stroke/TIA, heart disease or disorder, neuropathy, kidney disease, any circulatory disease that affects the heart and/or blood vessels, diabetic coma, or insulin shock
in past 2 years for insulin shock or diabetic coma is a decline. In past 2 years for nephropathy, neuropathy, retinopathy or any complications of diabetes = Graded
ever for retinopathy, nephropathy & neuropathy only with diabetes. Ever insulin shock or diabetic coma is decline
in past 2 years for any complications
If any complications & insulin = Graded, complications without insulin = Preferred
N/A
ever recommended by doctor
N/A
OK ages 50-80
ever
ever
ever for ages 0-49
had/advised to have
OK ages 50-80
ever
ever received or advised to receive
ever received/advised organ or bone marrow transplant
if in past 2 years advised to get an organ transplant
If in past 24 months had/been treated for/recommended/meds, OK ages 40-80 for guaranteed issue
ever including stem cell treatment
ever received or advised to receive
currently or in past 30 days
ever
ever, including donor stem-cell. Self-donated tissue transplant = Preferred
OK for Classic Advantage graded plan (excluding sleep apnea).
N/A
OK ages 50-80
currently other than sleep apnea
in past year, excluding CPAP for sleep apnea
N/A
currently
OK ages 50-80
in past 6 months
in past year used or advised to use excluding for sleep apnea
in past year used or advised to use excluding for sleep apnea
if 24 hour continuous use in past 2 years (excluding for sleep apnea)
if currently OK ages 40-80 for guaranteed issue. If in past 24 months, OK for graded benefit plan
in past year used oxygen due to a medical condition
currently excluding sleep apnea
in past 12 months excluding CPAP & nebulizer
ever
N/A
N/A
N/A
N/A
N/A
N/A
for ages 0-49 ever for chronic pancreatitis
in past 2 years
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
in past 2 years
N/A
N/A
N/A
For ages 0-17 only, any disease/disorder of the pancreas. For ages 18-85, diagnosed/treatment in past 2 years = Standard. Treated & resolved over 2 years = Preferred
OK for Classic Advantage graded plan if diagnosed/treated in last 36 months
N/A
OK ages 50-80
ever
in past 2 years = Standard
ages 0-49 including any neuro-muscular disease
in past 3 years
OK ages 50-80
N/A
if ever diagnosed/advised/treatment/meds
if ever diagnosed/treatment/meds
OK ages 40-90
if in past 3 years, OK for graded benefit plan
in past 2 years
past 4 years
ever
N/A
OK for Classic Advantage graded plan if been on probation, parole, convicted of, pled guilty to any crime or to possession or distribution of drugs/illegal substance in last 36 months. Otherwise OK for full benefit.
N/A
N/A
N/A
N/A
in past 12 months for ages 0-49
N/A
OK ages 50-80
in past 6 months confined to correctional facility only
N/A
N/A
OK ages 40-90
OK for level benefit plan
N/A
past 2 years, including currently awaiting trial
N/A
N/A
For ages 18-85, within 2 years
hospital or institution in last 24 months for mental or nervous disorder = Classic Advantage. Doesn't specifically mention PTSD.
N/A
N/A
N/A
N/A
N/A
N/A
OK ages 50-80
N/A
confined or advised to enter a psychiatric facility
N/A
OK ages 40-90
OK for level benefit plan
N/A
N/A
N/A
N/A
N/A
if confined to a wheelchair, not eligible. Otherwise OK
N/A
OK ages 50-80
currently
only amputation due to any disease or complications of diabetes = decline
for ages 0-49, paralysis of two or more extremities
if in past 3 years paralysis of two or more extremities
OK ages 50-80
if confined to a wheelchair, not eligible. Amputation due to diabetes, not eligible. Otherwise OK
if confined to a wheelchair, not eligible. Amputation due to disease or diabetes, not eligible. Otherwise OK
ever, amputation due to complications of diabetes
OK ages 40-90
OK for level benefit plan
in past 2 years if paralized
in part 1, ever
in past 2 years, amputation due to complications of any disease
Only for amputation caused by disease
amputation due to disease or disorder = decline
OK for Classic Select full benefit plan
N/A
OK ages 50-80
currently
currently
N/A
currently
OK ages 50-80
in past 6 months
currently any physical or mental impairment requiring assistance with ADLs or moving about
currently including taking meds
OK ages 40-90
OK ages 40-80 for guaranteed issue
in past year been unable to care for yourself
currently also assistance taking meds
ever
OK for guaranteed issue
N/A unless in a facility
N/A
N/A
N/A
OK for level benefit including Psoriatic
N/A
for ages 0-49
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
N/A
N/A
N/A
N/A
For ages 0-17 only
last 36 months = Classic Advantage
N/A
N/A
N/A
N/A
N/A
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
N/A
ever
N/A
N/A
N/A
OK for Classic Advantage graded plan if diagnosed/treated in last 36 months
N/A
N/A
If ever had = Graded, also if Hospitalized in the last 3 years = Decline. Also, suicide attempt is a decline.
N/A
ever ages 0-49
N/A
OK ages 50-80
N/A
confined or advised to enter a psychiatric facility
N/A
OK ages 40-90
OK for level benefit plan
N/A
4 years also bipolar depression
ever
N/A
For ages 0-17 only = Decline
N/A
N/A
N/A
if in last 4 years
N/A
N/A
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
N/A
4 years
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
for ages 0-49, if in past 3 years
in past 3 years
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
If in past 24 months = graded benefit plan
epileptic seizures in past 2 years
N/A
N/A
N/A
For ages 0-17 only, epilepsy or seizures
ever
N/A
OK ages 50-80
ever
ever
ever for ages 0-49
N/A
OK ages 50-80
N/A
ever diagnosed or received treatment/meds for
ever
OK ages 40-90
If in past 24 months had/been treated for/recommended/meds, OK ages 40-80 for guaranteed issue
in past 2 years
ever
ever
ever
ever diagnosed or received treatment/meds for
ever
N/A
OK ages 50-80
N/A
N/A
N/A
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
N/A
if minimal deformity
N/A
N/A
N/A
OK for Classic Advantage graded plan if diagnosed in last 24 months. Otherwise OK for full benefit.
N/A
OK ages 50-80
Stroke (not TIA) in past 12 months = Decline, in past 2 years = Graded. TIA in past 6 months or recurrent episodes of TIA = Decline.
in past year = Modified. In past 2 years = Standard
ever for ages 0-49
in past 2 years = ROP. In past 3 years = Graded
OK ages 50-80
in past year
If diagnosed/advised/treatment in past year = Graded, in past 2 years = Standard. If over 2 years = Preferred.
past year for stroke/TIA = Basic graded. Stroke/TIA in past 13-24 months = Standard. Past 2 years had/diagnosed for brain circulation & brain tumor = Basic, graded.
OK ages 40-90
If in combination with diabetes = OK ages 40-80 for guaranteed issue. If in past 24 months = graded benefit plan
Stroke (not TIA) in past 2 years = Graded. TIA/ministroke in past 2 years = Standard. Otherwise, Preferred.
2 years stroke & TIA only
in past 2 years
More than 1 year ago = Standard, within past year = Graded
including cerebrovascular accident (CVA) is Standard, could be Preferred with Activity Credits
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Ages 18-85, if in past 2 years = decline. For ages 0-17 = decline
ever diagnosed
N/A
OK ages 50-80
ever
ever
N/A
ever
OK ages 50-80
expected to result in death in 24 months
ever
ever diagnosed/advised/treatment/meds, also any end-stage disease
ever diagnosed
If in past 24 months had/been treated for/recommended/meds, OK ages 40-80 for guaranteed issue
ever
ever
N/A
ever
ever
waiting for testing/results or advised to have surgery/diagnostic test not completed
N/A
OK ages 50-80
in past year, been advised to have any medical procedures or diagnostic testing other than for routine screening purposes or for those related to HIV which has not been done, or for which results are not known
in past year been advised to have any medical procedure, surgery, or diagnostic test which has not been started, completed, or for which results are not known, excluding tests related to the Human Immunodeficiency Virus (HIV)
for ages 0-49, in past year including surgery or hospitalization
in past 2 years, had any diagnostic testing (excluding HIV), surgery, or hospitalization advised by a medical professional which has not been completed or for which the results have not been received
OK ages 50-80
in past year also surgery or hospitalization which has not been completed, or waiting for a medical diagnosis
in past year, been advised to have any medical procedure, surgery or diagnostic test not started, completed or results not known (excluding HIV testing)
12 months which hasn't been started, completed or results unknown, also hospitalization, surgery, medical procedure
OK ages 40-90
Ok ages 40-80 for guaranteed issue if in past 12 months had any treatment, diagnostic testing, surgery, or hospitalization recommended by a medical professional which have not been completed or for which the results have not been received
if in past year, advised to have surgery or hospitalization which you are still awaiting
in past 12 months
in past 12 months, diagnostic test, surgery, home health care or hospitalization not yet started, been completed or results not known
Currently undergoing or recommended any testing or further evaluation for a condition that has not been diagnosed or in past 12 months treated or advised to have surgery or testing not completed or been referred for further evaluation
N/A
N/A
N/A
OK ages 50-80
N/A
N/A
ever for ages 0-49
if taken meds in past 3 years
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
N/A
N/A
N/A
N/A
For ages 0-17 only, any disease/disorder of the intestine or colon
N/A
N/A
OK ages 50-80
N/A
N/A
N/A
N/A
OK ages 50-80
N/A
N/A
N/A
OK ages 40-90
OK for level benefit plan
N/A
12 months
N/A
N/A
N/A
N/A
N/A
OK ages 50-80
in past year
N/A
for ages 0-49, if in the past 12 months had surgical treatment for morbid obesity
N/A
OK ages 50-80
N/A
N/A
in past year, consulted a physician for, been diagnosed with, or received or been advised to receive treatment or medication for an unexplained weight loss greater than 10 pounds
OK ages 40-90
if in past 12 months greater than 10 pounds = guaranteed issue
N/A
12 months
N/A
N/A
N/A
currently due to disease, illness or quadriplegia
N/A
OK ages 50-80
currently require wheelchair or electric scooter due to a debilitating condition
currently require long term use of a wheelchair or mobility scooter
N/A
currently due to chronic illness or disease
OK ages 50-80
currently or in past 6 months including using a walker for assistance not to exceed 3 months (except in the case of a temporary condition immediately following injury or medical treatment)
if use wheelchair or scooter
currently due to an ongoing diagnosed illness, medical condition, or disease
Ok ages 40-90
OK ages 40-80 for guaranteed issue if due to a chronic medical condition or illness, including electric scooter
in past 2 years required the use of a walker, wheelchair, or electric scooter due to chronic illness or disease
currently or electric scooter other than for fractures, bone or joint surgery, including replacement
currently or in past 30 days if due to disease
Regular use of wheelchair or electric scooter = Guaranteed issue. Temporary use due to injury = Preferred.
N/A
