A “pre-existing condition” is defined as any injury or sickness for which diagnosis has been made or should have been made, seen or diagnosed, treatment has been recommended, treatment has been rendered, or expenses have been incurred for, within a certain period of time prior to becoming covered under the plan. It includes any condition manifesting itself in symptoms which would cause an ordinarily person(s) to seek medical advice, diagnosis, care or treatment. Treatment is also medication you may be taking or were recommended to take.

You may find it near impossible to get health insurance coverage if you have a pre existing condition but we can help you to sort through the ones that are a good policy of a guaranteed issue or association group health insurance plan, or if looking for a guarantee issue supplement as some are underwritten and some are not . Be warned that those that do not have any underwriting because of its’ group status may not always be the best plan for your needs.Pre-existing conditions health insurance covers and/or Guaranteed issue critical illness insurance accepts people with/are, and not limited to the following;

AIDS/AIDS Related Complex,
Addison’s Disease,
Adrenal Gland Disorders,
Alcohol Abuse or Treatment,
ALS-Amyotrophic Lateral Sclerosis,
Alzheimer’s Disease,
Aneurysm,
Angina Pectoris,
Arteriosclerosis/Atherosclerosis/Arteriosclerotic Heart Disease,
Asthma,
Autism,
Bipolar Disorder,
Brain Tumor,
Cancer,
Cardiomyopathy,
Cerebral Palsy,
Chronic Fatigue Syndrome,
Chronic Obstructive Pulmonary Disease (COPD),
Cirrhosis of Liver,
Colitis, Ulcerative,
Collagen Diseases,
Congestive Heart Failure,
Lupus,
Coronary Artery Disease,
Crohn’s Disease – Regional enteritis,
Cystic Fibrosis,
DUI or Drug treatment & Rehabilitation,
Eating Disorders – Bulimia, Anorexia Nervosa, Pic
Emphysema,
Endocarditis,
Epilepsy,
Esophageal Varices,
Fibromialgia,
Glomerulonephritis,
Heart Attack – Coronary Insufficiency – Myocardial Infarction,
Hemophilia,
Hemiplegia – Hemiparesis,
Hepatitis – Chronic,
Hepatitis B and C,
High Blood Pressure/Hypertension,
HIV Infection,
Hodgkin’s Disease,
Hydrocephalus,
Hydronephrosis,
Kidney Failure or Dialysis,
Leukemia
Lupus Erythematosus (LE)
Marfan Syndrome,
Multiple Sclerosis,
Muscular Dystrophy,
Myasthenia Gravis,
Organ Transplant Recipient/Candidate (includes bone marrow),
Osteogenesis Imperfecta – Bone Disease,
Pacemaker, Artificial,
Pancreatitis,
Parkinson’s Disease,
Peripheral Vascular Disease (except Raynaud’s)
Pituitary Dwarfism
Polycystic Kidney Disease
Pregnancy, Current
Psychiatric/Psychological Disorders, severe,
Pulmonary Fibrosis,
Pulmonary Embolism,
Quadriplegia,
Renal Failure,
Reye’s Syndrome ,
Rheumatoid arthritis,
Schizophrenia-Paranoia,
Scleroderma,
Sickle Cell Anemia,
Stroke (Cerebral Hemorrhage, Thrombosis or Embolism),
Suicide Attempt,
TIA (Transient Ischemic Attack),
Von Recklinghausen’s Disease, as well as Connective Tissue Disease, Diabetes type 1, Diabetes type 2, Down’s Syndrome, and more

Conditions may or may not be covered for a period of time called an “exclusionary period” such as 12 months. If your condition is questioned or do not see it on the list please contact us to inquire. Whether looking for guaranteed issue health insurance, a supplemental health insurance such as critical illness policy or cancer insurance policy or as small as an accident health insurance plan (accidental medical expense benefit) we are here to assist.