Let’s review the general criteria.

There are quite a few factors that determine your insurability and they are always changing depending on how aggressive the health insurance carriers are at gaining market share.

Height/weight: This is the most obvious factor and some carriers are more liberal than others in this department. Currently, Aetna and Cigna have the most liberal stipulations on a person’s build while Humana One, BCBS of Texas and United Health One seem to be the strictest.

Medications: Most insurance carriers have a general guideline that if a person were taking three or more medications to control a single condition, then they would be declined in the private market. This can vary, as the carriers are more forgiving if those medications are generic and thus less expensive than 3 brand name medications.

Medical Conditions: Each insurance carrier publishes an “Agent Underwriting Guidelines” book and those have a list of declinable conditions. While the list is too extensive to mention each condition, some common conditions would be Type I diabetes, invasive cancers which have yet to be eradicated, HIV/Aids and most other auto-immune disorders.

Tobacco use: Smoking and/or chewing tobacco are not an automatic decline, but can be in combination with other medical conditions. A perfect example would be a smoker who also has asthma and uses an inhaler. Any medical condition that tobacco use can exasperate would usually result in a decline.

Pending or very Recent Surgical Procedures: No insurance carrier will write a case on someone if they have a pending surgical procedure yet to be completed. This would be akin to asking your auto insurance company to fix the huge dent in your car that was caused by a recent accident before your policy was in force. Also, if your surgical procedure was less than 3 months ago or you have not have your surgical follow up consultation, the carrier will also decline.

If you’re unsure of your own insurability, please contact¬† Selected Benefits and we’ll be happy to review your situation and recommend the best course of action.