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Individual Health Plans - Underwriting Decline Table

The following chart summarizes underwriting information that health insurance companies have filed with the Department of Insurance.

AB 356:  Summary of Underwriting Information filed reconditions for which no insurance coverage will be offered, application will be denied, or higher premium may be charged or benefit may be limited

 Condition  Insurance Company Action
Health problems for   which   you have not seen a doctor Automatic decline for some companies  
Health problems that a doctor can not explain
Automatic decline for some companies
Health problems for which you have not completed treatment
Automatic decline for some companies  
AIDS
Automatic decline
Pregnancy, pregnancy of your spouse or significant other, planned surrogacy or adoption in process
Automatic decline
Cancer, under treatment
Automatic decline
Sleep Apnea
Automatic decline or higher premium will be charged
Severe mental disorders, such as major depression, bipolar disorder, schizophrenia or psychopathic personalities
Automatic decline
Heart disease
Automatic decline
Renal failure or Kidney Dialysis
Automatic decline
Diabetes with complications
Automatic decline
Cirrhosis
Automatic decline
Multiple Sclerosis
Automatic decline
Muscular Dystrophy
Automatic decline
Systemic Lupus Erythematous
Automatic decline
History of transplant
Automatic decline
Lymphedema
Automatic decline or higher premium will be charged
Current infertility treatment
Automatic decline
Hepatitis
Automatic decline
Hemochromatosis
Automatic decline
Rheumatoid Arthritis
Automatic decline
Stroke, after 10 years with no reoccurring problems
Automatic decline or higher premium will be charged
Allergies, while testing is in process
Automatic decline or higher premium will be charged
Ear infections, controlled with medication
Higher premium may be charged
Lyme's disease, without symptoms after one year
Automatic decline or higher premium will be charged
Breast Implants (non-silicone)
Automatic decline or higher premium will be charged
Ringworm
Higher premium may be charged
Joint sprain or strain, recovered and no restrictions
Higher premium may be charged
Migraine headache, mild and infrequent with no emergency room visits
Higher premium may be charged
Mild depression
Automatic decline or higher premium may be charged
Obesity
Automatic decline or higher premium may be charged
STD (Sexually Transmitted Disease)
Automatic decline or higher premium may be charged