List of Declinable Conditions

This is an illustrative list of the most common conditions that result in a decline. The list is not exhaustive and is subject to change. If you have any of these conditions, you may not be eligible for health insurance coverage.

A
AIDS
Alcohol Abuser - diagnosed, associated with other drug abuse, medical disease, three or more DWI's or more than one detox hospitalization
Alzheimer's Disease
Amyotrophic Lateral Sclerosis (ALS)
Aneurysms
Angina
Ankylosing Spondylitis
Aortic
Insufficiency
Stenosis - if surgically repaired or valve replaced
Aplastic Anemia
Arterial
Embolism (clot)
Occlusion
Arteriosclerosis Obliterans (A.S.O.)
Arteriovenous Malformation - if multiple, large or located in a significant organ structure
Atherosclerosis
Obliterans
Thrombotic Disease
Atrial Fibrillation - chronic
Autism - in child

B
Bipolar Disorders

C
Cardiomyopathy
Cerebral Palsy - child or dependent adult
Chronic Obstructive Pulmonary Disease (COPD)- less than 45 years old, smoker, underweight with associated respiratory disorders or older than 45 and severe form
Cirrhosis of the Liver
Coarctation of the Aorta - surgically corrected with complications
Congestive Heart Failure (CHF)
Cor Pulmonale
Coronary
Artery Disease (C.A.D.)
Heart Disease (C.H.D.)
Crohn's Disease
Curvature of the Spine - with pulmonary, cardiac or spinal cord involvement
Cushing Syndrome - caused by bilateral adrenal hyperplasia or administration of steroids to treat another disorder
Cystic Fibrosis

D
Dementia
Diabetes Mellitus - Insulin Dependent
Down Syndrome
Drug Abuse
Illegal - current or past usage
Prescription - current or past usage abuse

E
Electroconvulsive Therapy
Esophageal Varices

F
Fabry Disease
Factor VIII or IX Deficiency
Fatty Liver - with complications, residuals or caused by alcoholism

G
Gastric Bypass/Stapling
Gilles De La Tourette's Syndrome

H
Heart and/or Lung Transplants
Hemiplegia
Hemophilia A or B
Hodgkin's Disease
Hydrocephalus - younger than age 20 or surgically corrected with complications or shunt procedure
Hydronephrosis - bilateral or under age 20

I
Idiopathic Thrombocytopenia Purpura (I.T.P.) - if present
Ischemic Heart Disease

J

K
Kidney Transplant

L
Leukemia
Liver Transplant
Lou Gehrig's Disease
Lymphoma

M
Marfan's Syndrome
Medullary Sponge Kidney - unilateral with history of infections or bilateral
Mitral
Insufficiency - if surgically repaired, annuloplasty or other valve repair
Stenosis
Mixed Connective Tissue Disease
Mongolism
Multiple Myeloma
Multiple Sclerosis
Muscular Dystrophy
Myocardial
Infarction (M.I.)
Ischemia (M.I.)

N
Neurofibromatosis

O

P
Pacemakers
Pancreatitis - chronic with enzymes and medications
Paralysis
Paranoid Disorder
Paraplegia
Parkinson's Disease
Peripheral Occlusive Arterial Disease (P.O.A.D.)
Personality Disorders
Pituitary Dwarfism
Pneumocystitis Carinii Pneumonia (P.C.P.)
Polio Myelitis - acute with loss of bladder or bowel control, requiring a wheel chair or marked respiratory impairment
Premature Ventricular Contractions - if symptomatic and treated with encaid/encainide or tambocor
Primary Pulmonary Hypertension
Pulmonary Heart Disease
Pulmonic
Insufficiency
Stenosis - if surgery was recommended, surgically repaired or valve replaced

Q
Quadraplegia

R

S Sarcoma
Schizo Affective Disorders - bipolar or depressive
Schizophrenia
Scleroderma
Severe Childhood or Adolescent Disorders - including conduct and oppositional defiant disorder
Sick Sinus Syndrome
Sickle Cell Anemia/Disease
Sleep Apnea - surgery suggested or advanced condition with cardiac or pulmonary complications
Spina Bifida - severe or disabling, surgically corrected with recurrent symptoms or surgeries needed
Stroke - indeterminate, ischemic
Suicide attempt
Syndrome X
Systemic Lupus Erythematosus

T
Tetrology of Fallot
Thalassemia Major
TIA
Tourette's Syndrome
Transient Ischemic Attack
Transsexualism
Tricuspid
Insufficiency
Stenosis
Trisomy 21 Syndrome
Turner's Syndrome - less than 25 years old or evidence of cardiovascular disease

U

V
Valve replacement
Ventricular Arrhythmias