Uninsurable Conditions

Do Not Apply List Height-Weight Table

You must be within the insurance company's height-weight table to be accepted for individual health insurance.

If you have any of the following medical conditions, do not apply. Instead, call us at 1-800-722-9053 so we can help you find alternative coverage.

HIV+, AIDS, or AIDS-Related Complex (ARC)
Addison’s Disease
Adrenal Gland Disorders
Alcoholism (within 8 years)
Alzheimer’s Disease
Aneurysm
Aplastic Anemia
Ascites
Autism
Barrett’s Esophagus
Biliary Atresia
Bipolar Disorder (manic depressive)
Cancer/Melanoma
Cardiomegaly
Cerebral Palsy (moderate/severe)
Chronic Interstitial Cystitis
Chronic Obstructive Pulmonary Disease
Cirrhosis of the Liver
Clotting Deficiency
Congenital Heart Disease
Congestive Heart Failure/Cardiomegaly
Coronary Congenital Defects (tetralogy of fallot, transposition of the great vessels)
Coronary Artery Disease/angina (angioplasty, bypass, and MI)
Crohn’s Disease/Ulcerative Colitis/Regional Enteritis
Cushing’s Disease
Cystic Fibrosis
Diabetes (oral or injectable medications)
Down’s Syndrome
Driving while intoxicated (multiple offenses)
Drug Abuse or Substance Abuse (within 7 years)
Eating Disorders (within 7 years of treatment)
Emphysema
Encephalitis (with residuals)
Epilepsy/Seizures (grand mal within 4 years)
Esophageal Varices
Fibromyalgia (within 3 years)
Gastric Stapling
Gastrointestinal Bleeding (depending on cause)
Glomerulonephritis (chronic)
Growth Deficiencies (requiring growth hormone treatment)
Heart Disease (mitral or aortic stenosis, angina,
cardiomyopathy, congestive heart failure, endocarditis, Kawasaki disease, fibrillation, athersclerosis, valve replacement)
Hemiplegia
Hemochromatosis
Hemolytic Anemia
Hemophilia/Thrombocytopenia
Hepatitis – (any of the following: B, C, and alcoholic)
Hodgkin’s Disease
Huntington’s Chorea
Hydrocephalus
Hyperthyroidism

Idiopathic Thrombocytopenia Purpura (ITP)
Intestinal Bypass (Ileal Bypass)
Intracranial Hemorrhage/Stroke/TIA
Kaposi’s Sarcoma
Kidney Dialysis/Renal Failure/Polycystic Kidney
Leukemia
Lou Gehrig’s Disease/ALS
Lymphoma
Marfan’s Syndrome
Meniere’s Disease (flare up within last 5 years)
Mental Retardation
Multiple Sclerosis
Muscular Dystrophy
Myasthenia Gravis
Narcolepsy
Nephrotic Syndrome
Obesity (morbid)/gastric stapling
Optic Neuritis
Organ & Bone Marrow Transplants (pre and post)
Organic Brain Syndrome
Pacemaker
Paget’s Disease
Pancreatitis (acute within 5 years of treatment)
Pancreatitis (chronic)
Paralysis
Paranoid Disorders
Parkinson’s Disease
Pending Inpatient Surgery
Peripheral Neuropathy/Peripheral Vascular Disease
Pituitary Gland Disorders
Pneumocystis Pneumonia
Polycythemia
Polymyositis
Pregnancy (current - apply after delivery)
Primary Pulmonary Hypertension
Psychotic Disorders/Major
Depression/Bipolar/Schizophrenia
Rheumatoid Arthritis (crest syndrome, scleroderma)
Sarcoidosis
Septal Defect (heart)
Sickle Cell Anemia
Spina Bifida
Stroke/CVA
Suicide Attempt
Systemic Lupus Erythematosus
Thrombocytopenia
Transient Ischemic Attack (TIA)
Tuberculosis
Tuberous Sclerosis
Valley fever (within 3 years)
Vasculitis
Ventricular Septal Defect
Wegener’s Granulomatosis