Health Short Term-Gap Supplemental Dental Travel Life Long Term Care Annuities Student Disability
Do not apply in the following cases: Height-Weight Table
1. Outside the height-weight table: for any insurance company, you must be within its height-weight table to be accepted for individual health insurance.
2. If you have any of the following medical conditions, do not apply. Instead, call us at 1-800-722-9053 so we can help you find alternative coverage.
HIV+, AIDS, or AIDS-Related Complex (ARC)
Addison’s Disease
Adrenal Gland Disorders
Alcoholism (within the last 8 years)
Alzheimer’s Disease
Aneurysm
Aplastic Anemia
Ascites
Autism
Barrett’s Esophagus
Biliary Atresia
Bipolar Disorder (manic depressive)
Cancer/Melanoma
Cardiomegaly
Cerebral Palsy (moderate/severe)
Chronic Interstitial Cystitis
Chronic Obstructive Pulmonary Disease
Cirrhosis of the Liver
Clotting Deficiency
Congenital Heart Disease
Congestive Heart Failure/Cardiomegaly
Coronary Congenital Defects (tetralogy of fallot, transposition of the great vessels)
Coronary Artery Disease/angina (angioplasty, bypass, and MI)
Crohn’s Disease/Ulcerative Colitis/Regional Enteritis
Cushing’s Disease
Cystic Fibrosis
Depression, if major depression
Diabetes (insulin dependent)
Down’s Syndrome
Driving while intoxicated (multiple offenses)
Drug Abuse/Substance Abuse (within 7 years)
Eating Disorders (within 7 years of treatment)
Emphysema
Encephalitis (with residuals)
Epilepsy/Seizures (grand mal within 4 years)
Esophageal Varices
Expectant Parent (apply after delivery)
Fibromyalgia (within 3 years)
Gastric Stapling
Gastrointestinal Bleeding (depending on cause)
Glomerulonephritis (chronic)
Growth Deficiencies (requiring growth hormone treatment)
Heart Disease (mitral or aortic stenosis, angina, cardiomyopathy, congestive heart failure, endocarditis,
Kawasaki disease, fibrillation, athersclerosis, valve replacement)
Hemiplegia
Hemochromatosis
Hemolytic Anemia
Hemophilia/Thrombocytopenia
Hepatitis – (C or alcoholic)
Hodgkin’s Disease
Huntington’s Chorea
Hydrocephalus
Hyperthyroidism
Idiopathic Thrombocytopenia Purpura (ITP)
Intestinal Bypass (Ileal Bypass)
Intracranial Hemorrhage/Stroke/TIA
Kaposi’s Sarcoma
Kidney Dialysis/Renal Failure/Polycystic Kidney
Leukemia
Lou Gehrig’s Disease/ALS
Lymphoma
Marfan’s Syndrome
Meniere’s Disease (flare up within last 5 years)
Mental Retardation
Multiple Sclerosis
Muscular Dystrophy
Myasthenia Gravis
Narcolepsy
Nephrotic Syndrome
Obesity (morbid)/gastric stapling
Optic Neuritis
Organ & Bone Marrow Transplants (pre and post)
Organic Brain Syndrome
Pacemaker
Paget’s Disease
Pancreatitis (acute within 5 years of treatment)
Pancreatitis (chronic)
Pap smear abnormal. Last 2 must be normal.
Paralysis
Paranoid Disorders
Parkinson’s Disease
Pending Inpatient Surgery
Peripheral Neuropathy/Peripheral Vascular Disease
Pituitary Gland Disorders
Pneumocystis Pneumonia
Polycythemia
Polymyositis
Pregnancy (current - apply after delivery)
Primary Pulmonary Hypertension
Psychotic Disorders/Major
Rheumatoid Arthritis (crest syndrome, scleroderma)
Schizophrenia
Sarcoidosis
Septal Defect (heart)
Sickle Cell Anemia
Spina Bifida
Stroke/CVA
Suicide Attempt
Systemic Lupus Erythematosus
Thrombocytopenia
Transient Ischemic Attack (TIA)
Tuberculosis
Tuberous Sclerosis
Valley fever (within 3 years)
Vasculitis
Ventricular Septal Defect
Wegener’s Granulomatosis