A to Z Health Conditions Accepted

1st-Day Coverage vs. 2-Year Wait By Illness

We can help you find first-day coverage or benefits for the following illnesses.

If you or a loved one only qualifies for a two-year waiting period, we can refer you to the best company.

FIRST-DAY COVERAGE:
✓ Anemia
Angina
✓ Anxiety
Arthritis
Asthma
Atrial Fibrilation (AFIB)
✓ Back Surgery
Bipolar
Blindness
Bronchitis
Cancer History
✓ Cardiomyopathy
Cerebral Palsy
Crohn’s Disease
Congestive Heart Failure
COPD
Coronary Artery Disease
Cystic Fibrosis
Defibrillator Implant
Depression
Diabetes
Diabetic Complications
✓ Edema
Emphysema
Epilepsy
Fibromyalgia
Gout
Heart Bypass Surgery
Heart Valve Replacement
Heart Stent(s)
Hepatitis B
Hepatitis C
High Blood Pressure
✓ Hip Replacement
Huntington’s Disease
✓ Hypertension
High Cholesterol
Insulin Use
✓ Irritable Bowell Syndrome
✓ Knee Replacement
Neuropathy

FIRST-DAY COVERAGE:
✓ Osteoporosis
Overweight or Obese
Pacemaker Implant
Past Heart Attack
Past Stent Surgery
Recent Hospitalization
Schizophrenia
✓ Scoliosis
Seizures
✓ Shingles
✓ Sjogren’s Syndrome
Skin Cancer
Sleep Apnea
Sickle Cell Anemia
Stroke In Past
Systemic Lupus
TIA or Mini Strokes
✓ Ulcerative Colitis
Vision Loss
✓ Water Retention
✓ Most other medical conditions

2-YEAR WAITING PERIOD:
Alzheimer’s Disease
AIDS, HIV, Aids Related Complex (ARC)
Cancer In The Last 2 Years
✘ Cancer In Remission
Coma
Dementia
Diabetic Amputation
Hospice
Hospital Confinement
Leukemia
Liver Failure
Kidney Failure or Dialysis
Memory Loss With Medication Prescribed
✘ Long-Term Care Confinement
Nursing Home Confinement
Oxygen used daily
Parkinson’s Disease
Terminal Illness

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