Pre-existing conditions that can mean no eligibility for insurance
Some* of the pre-existing conditions that make people ineligible for health insurance coverage:
Active alcoholism
Active drug abuse
Active rehabilitation
AIDS
Alzheimer's disease
Arteriosclerotic heart disease
Cancer (diagnosis and treatment within last 10 years)
Cerebral vascular accident/disease-stroke
Chronic obstructive pulmonary disease
Congestive heart failure
Coronary artery disease
Crohn's disease
Emphysema
Heart attack/disease
Hemophilia
Leukemia-active
Multiple sclerosis
Muscular dystrophy
Obesity (greater than 40 percent overweight for height and weight.)
Polycythemia vera
Pregnancy (may apply six weeks after delivery.)
Rheumatoid arthritis
Systematic lupus erythematosis
Ulcerative colitis – on medication
Source: Health Alliance Medical Plans enrollment information
... and that's not all
* Rejected for a health condition that isn't on the list? Here's an explanation from Health Alliance spokeswoman Jane Hayes about how that can happen:
"The list included in the brochure is a list of uninsurable conditions; however, nearly everyone who applies for coverage has some kind of pre-existing condition. We have medical professionals who use an actuarial scoring system as a guideline to determine insurability for conditions not included on that list.
"For example, a person with high blood pressure on medication will most likely be approved. But if you add high cholesterol, diabetes and obesity to the high blood pressure, health insurers like us would not offer coverage."


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