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