Can My Application Be Declined?
Though we’d like to serve everyone in Connecticut, your application will be declined or rated up
Rate Up – An increased premium amount that you may be charged based on your medical history. if you are over age 19 and have certain pre-existing condition
Pre-Existing Condition – A disease or condition that a prospective member had before applying for health care coverage.
.
If the applicant (or any dependents) has had or currently has a condition mentioned on the
Declinable Conditions
Declinable Conditions – A list of conditions that will cause an application for individual health insurance coverage to be rejected.
list, the application will be declined or rated up. (Note: we will not decline coverage for any dependents under age 19 for pre-existing condition
Pre-Existing Condition – A disease or condition that a prospective member had before applying for health care coverage.
):
Conditions List
This list is not all-inclusive and is subject to change.
- Addison's Disease
- AIDS/HIV
- Amyotrophic Lateral Sclerosis (ALS or Lou Gehrig’s Disease)
- Alzheimer’s Disease
- Angina
- Angioplasty
- Ankylosing Spondylitis
- Any Artery or Vein Bypass – including Heart
- Bipolar disorder (manic depression)
- Carcinoid Syndrome
- Chronic Lung Disease, including Emphysema, Chronic Bronchitis & COPD
- Cirrhosis of the Liver
- Congestive Heart Failure
- Coronary Heart Disease
- Crohn’s Disease
- Cystic Fibrosis
- Diabetes - Type 1
- Gastric Bypass or any Intestinal Bypass or bariatric (obesity) surgery
- Gaucher’s Disease or other lipid storage disease
- Hemiplegia
- Hemophilia
- Hepatitis B or C
- Ischemic Heart Disease
- Leukemia
- Major Depression
- Morbid Obesity – current or present
- Multiple Sclerosis
- Muscular Dystrophy
- Myocardial Infarction (Heart Attack)
- Obsessive-Compulsive Disorder (OCD)
- Pacemaker/defibrillator
- Paraplegia
- Parkinson’s Disease
- Pregnancy/expectant parent
- Psychosis
- Pulmonary Fibrosis
- Pulmonary Hypertension
- Pulmonary Stenosis
- Quadriplegia
- Renal Failure
- Rheumatoid Arthritis (Juvenile/Adult)
- Sickle Cell Anemia
- Sideroblastic Anemia
- Spina Bifida
- Systemic Lupus
- Thalassemia Major
- Any Transplant except Corneal (Cardiac) Valve Replacement
