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By Ryan Kennelly

May 11, 2017

Topics:

  • Short Term Medical
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What conditions on the application will make me ineligible for a short term plan?

May 11, 2017

  • Short Term Medical
What conditions on the application will make me ineligible for a short term plan?

short-term health quotes

If you answer “yes” to any of the conditions listed in the following question, you will likely be denied for a short-term plan:

Within the last 5 years if you have been diagnosed, treated, or taken medication for any of the following conditions, term health insurance cannot be issued: Cancer or tumor, stroke, heart disease including heart attack, chest pain or had heart surgery, COPD (chronic obstructive pulmonary disease) or emphysema, Crohn’s disease, liver disorder, degenerative disc disease, rheumatoid arthritis, kidney disorder, diabetes, degenerative joint disease of the knee, alcohol abuse or chemical dependency, or any neurological disorder; HIV or AIDS; or if you are now pregnant or in the process of adoption.

If you are looking for insurance to cover your pre-existing conditions, we can refer you to an agent who can help you find a health insurance plan that to cover these conditions:

  • For ACA/Obamacare Plans: (312) 726-6565

    If you answer “yes” to any of the questions below, you are not eligible for a short term plan.

    Eligibility

    Please answer the following medical questions for all individuals, including dependents, applying for coverage:

  1. Yes / No
  2. Yes / No
  3. Yes / No
    • Stem cell transplant
    • Heart disorder, heart attack, coronary artery disease or circulatory system disorder (includes by-pass or stent surgery or carotid artery disease/surgery
    • Stroke, seizures disorder or other neurological disorder
    • Cancer or tumor OR taking medication to prevent recurrence of cancer or tumorous growth
    • Paraplegia, quadriplegia or multiple sclerosis
    • Emphysema, chronic bronchitis or COPD (chronic obstructive pulmonary disease)
    • Insulin dependent diabetes
    • Kidney disorder other than stones and/or liver disease
    • Degenerative arthritis (degenerative disc disease, herniated disc, rheumatoid or psoriatic arthritis or degenerative joint disease)
    • Alcohol or drug abuse or dependency OR chemical dependency
    Yes / No
  4. Yes / No
  5. Yes / No

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