Part A: Medical Questions: If "YES" is answered to any of the following questions 10-16, most individuals will NOT be eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
To the Best of Your knowledge and Belief:
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Applicant A |
Applicant B |
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10. |
Are you currently confined to a wheelchair or any other motorized mobility device?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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11. |
Are you currently hospitalized, confined to a bed, in a nursing home or assisted living facility?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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12. |
Have you been medically diagnosed with, treated for, or had surgery for any of the following:
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A. Chronic kidney disease (Stages 3, 4, or 5), kidney failure, or kidney disease requiring dialysis?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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B. Emphysema, chronic obstructive pulmonary disease (COPD), any other chronic pulmonary disorder or any cardio-pulmonary disorder requiring oxygen?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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C. Alzheimer’s disease, dementia or any other cognitive disorder?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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D. Parkinson’s disease, multiple sclerosis or amyotrophic lateral sclerosis (LouGehrig’s Disease), Huntington's disease, or cerebral palsy?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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E. Systemic lupus, scleroderma or myasthenia gravis?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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F. Chronic hepatitis or cirrhosis?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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G. Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) or tested positive for Human Immunodeficiency Virus (HIV)?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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13. |
Have you had an organ or stem cell transplant or been advised to have an organ or stem cell transplant (excluding cornea implants)?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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14. |
Do you have Osteoporosis, and as a result, experienced a fracture?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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15. |
Select NO to questions 15, if you do NOT have diabetes. - Do you have diabetes with complications including retinopathy, neuropathy, peripheral artery disease, peripheral venous thrombotic disease, stroke, transient ischemic attack (TIA), any heart disorder or any kidney disease?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
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16. |
Do you have an implanted cardiac defibrillator?
Since you answered Yes to this question, you are NOT eligible for coverage at this time with most insurance companies. It is strongly recommended you keep your current coverage until you can satisfactorily answer ALL the questions 10-16 "NO" before re-applying.
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YES |
NO |
YES |
NO |
Part B: Medical Questions: If "YES" is answered to any of the following questions 17-21, you MAY be eligible for coverage. However, you are subject to an underwriting review. You are required to provide an explanation stating how long the condition has existed and how it is being controlled.
To the Best of Your knowledge and Belief:
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17. |
Within the past two years, have you been treated for, or been advised by a physician to have treatment for: |
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A. Coronary artery disease, angina, heart attack, cardiac angioplasty, bypass surgery or stent placement?
Since you answered Yes please provide details stating how long the condition has existed, how it is being controlled, and current diagnosis.
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YES |
NO |
YES |
NO |
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B. Cardiomyopathy, congestive heart failure, aortic or cardiac aneurysm, peripheral artery disease, peripheral venous thrombotic disease, vascular angioplasty, endarterectomy, carotid artery disease, any heart or heart valve disorder, atrial fibrillation, other heart rhythm disorder, or implantation of a pacemaker?
Since you answered Yes please provide details stating how long the condition has existed, how it is being controlled, and current diagnosis.
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YES |
NO |
YES |
NO |
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C. Alcoholism or drug abuse?
Since you answered Yes please provide details stating how long the condition has existed, how it is being controlled, and current diagnosis.
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YES |
NO |
YES |
NO |
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D. Any mental or nervous disorder requiring treatment (including Any mental or nervous disorder requiring treatment (including hospital confinement)?
Since you answered Yes please provide details stating how long the condition has existed, how it is being controlled, and current diagnosis.
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YES |
NO |
YES |
NO |
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E. Internal cancer, lymphoma or melanoma?
Since you answered Yes please provide details stating how long the condition has existed, how it is being controlled, and current diagnosis.
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YES |
NO |
YES |
NO |
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F. A stroke or transient ischemic attack (TIA)?
Since you answered Yes please provide details stating how long the condition has existed, how it is being controlled, and current diagnosis.
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YES |
NO |
YES |
NO |
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G. Degenerative bone disease, spinal stenosis, rheumatoid arthritis, psoriatic arthritis, arthritis that restricts mobility or have you been advised to have joint replacement?
Since you answered Yes please provide details stating how long the condition has existed, how it is being controlled, and current diagnosis.
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YES |
NO |
YES |
NO |
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18. |
Select NO to Questions 18.A and 18.B if you do NOT have diabetes. - Do you have diabetes with high blood pressure and, if yes, have you? |
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A. Taken more than two medications for either condition (insulin-dependent or oral medications)?
Since you answered Yes please provide details stating how long the condition has existed, how it is being controlled, and current diagnosis.
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YES |
NO |
YES |
NO |
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B. Had any changes in your medications within the past two years?
Since you answered Yes please provide details stating how long the condition has existed, how it is being controlled, and current diagnosis.
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YES |
NO |
YES |
NO |
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19. |
Have you been hospital confined three or more times in the past two years for a same or similar condition?
Since you answered Yes please provide details stating how long the condition has existed, how it is being controlled, and current diagnosis.
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YES |
NO |
YES |
NO |
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20. |
Have you been advised by a medical professional to have treatment, further diagnostic evaluation, diagnostic testing, follow up visits or any surgery that has not been performed?
Since you answered Yes please provide details stating how long the condition has existed, how it is being controlled, and current diagnosis.
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YES |
NO |
YES |
NO |
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21. |
Have you used tobacco in the last 12 months? Select Yes if you have used tobacco in the last 12 months. |
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YES |
NO |
YES |
NO |
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