Pre-Existing Conditions
MIB or Medical Information Bureau
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What are the different rate classes?
Pre - Existing Conditions
Amputation Due To Diabetes
Eligible for Day 1 coverage: If it’s been over 2 years Yes
Risk Class Offered: Preferred over 2 years
Aneurysm
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Angina
Eligible for Day 1 coverage?: Yes - over 2 years
Risk Class Offered?: Preferred - over 2 years
Asthma
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Atrial Fibrillation
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Bi Polar Disorder
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Blindness
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Blood Clots
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Blood Thinners
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Cancer
Eligible for Day 1 coverage?: Yes - Over 2 years
Risk Class Offered?: Preferred - Over 2 years
Congestive Heart Failure (CHF)
Eligible for Day 1 coverage?: No
Risk Class Offered?: Guaranteed Issue
High Cholesterol
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Chronic Bronchitis
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Standard
Circulatory Surgery
Eligible for Day 1 coverage?: Yes - Over 1 Year
Risk Class Offered?: Preferred - Over 1 Year
Cirrhosis
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Standard
COPD
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Standard
Crohn’s Disease
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Cystic Fibrosis
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Defibrillator
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Dementia
Eligible for Day 1 coverage?: No
Risk Class Offered?: Guaranteed Issue
Depression
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Diabetes
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Diabetes with Complications
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Diabetic Coma
Eligible for Day 1 coverage?: Yes Over 2 Years
Risk Class Offered?: Preferred - Over 2 Years
Dialysis
Eligible for Day 1 coverage?: No
Risk Class Offered?: Guaranteed Issue
Disability
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Emphysema
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Standard
Epilepsy
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Drug Abuse
Eligible for Day 1 coverage?: Yes over 2 years
Risk Class Offered?: Preferred over 2 years
Felony
Eligible for Day 1 coverage?: Yes over 2 years
Risk Class Offered?: Preferred over 2 years
Heart Attack
Eligible for Day 1 coverage?: Yes over 1 year
Risk Class Offered?: Preferred over 1 year
Heart Surgery
Eligible for Day 1 coverage?: Yes over 1 year
Risk Class Offered?: Preferred over 1 year
Hepatitis
Eligible for Day 1 coverage?: Yes over 2 years from treatment
Risk Class Offered?: Preferred over 2 years from treatment
High Blood Pressure
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
HIV or AIDS
Eligible for Day 1 coverage?: No
Risk Class Offered?: Guaranteed Issue
Home Health Care
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Irregular Heart Rhythm
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Kidney Disease
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Lupus
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Multiple Sclerosis
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Neuropathy
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Overweight
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Oxygen
Eligible for Day 1 coverage?: No
Risk Class Offered?: Guaranteed Issue
Pacemaker
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Parkinson’s Disease
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Schizophrenia
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Seizures
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Sickle Cell Anemia
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Stroke
Eligible for Day 1 coverage?: Yes over 1 year
Risk Class Offered?: Preferred over 1 year
TIA Attack (Mini Stroke)
Eligible for Day 1 coverage?: Yes over 1 year
Risk Class Offered?: Preferred over 1 year
Tobacco
Eligible for Day 1 coverage?: Yes
Risk Class Offered?: Preferred
Wheelchair Usage
Eligible for Day 1 coverage?: Yes - depending on reason in wheelchair
Risk Class Offered?: Preferred - depending on reason in wheelchair
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Fatima E. Ayeni
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