• ALS (Amyotrophic Lateral Sclerosis)

• Atrial Fibrillation (AFib)

• Aseptic Meningitis

• Astrocytoma

• Ataxia

• Autism

• Autonomic Neuropathy

• AVM

• Barrett’s Esophagus

• Bell’s Palsy

• Bipolar

• Bilateral Peripheral Disease

• Blood Clots

• Brain Injury/Trauma

• Carcinoid Tumors

• Cardiomyopathy

• Celiac Disease

• Cerebral Palsy

• Chiari Malformation

• COPD

• Chronic Bronchitis

• Chronic Kidney Infections

• Cirrhosis

• Deep Vein Thrombosis (DVT)

• Dementia

• Down’s Syndrome

• Emphysema

• Encephalitis

• Factor 1-13

• Fatty Liver Disease

• Guillain-Barre Syndrome

• Hashimoto’s Disease

• Heart Murmur

• Hepatitis B/C

• Hemophilia

• Histoplasmosis

• Huntington’s Disease

• Hydrocephalus

• Kawasaki Disease

• Kidney Dialysis/Disease

• Leukemia

• Leukodystrophy

• Lupus

• Lymphoma

• Manic Depression

• Mardn’s Disease

• MDS

• Meningitis

• Mental Retardation

• Multiple Sclerosis (MS)

• Muscular Dystrophy

• Myasthenia Gravis

• Myocarditis

• Neurofibromatosis

• Nephritis

• Organ Transplant

• Osteodystrophy

• Pancreatitis

• Paralysis

• Parkinson’s Disease

• Polycythemia Vera

• Polycystic Liver Disease

• Pot’s Syndrome

• Protein S Deficiency

• Pulmonary Embolism

• Raynaud’s

• Rhabdomyolysis

• Sarcoidosis

• Scleroderma

• Schizophrenia

• Sepsis

• Spina Bifida

• TachycardiaTransposition of Greater Arteries 

• Abilify (Aripiprazole)

• AlcoBuse

• Anastrozole (Arimidex)

• Aricept (Donepezil)

• Bupropion

• Camptosar

• Coumadin

• Dilaudid

• Effient

• Eliquis

• Exelon

• Femara (Letrozole)

• Fentanyl

• Fragmin

• Heparin

• Hydromorphone

• Interferon

• Invega (Paliperidone)

• Lamotrigine (Lamictal)

• Latuda

• Lithium

• Lovenox

• Methadone

• Morphine

• MS Contin

• Naltrexone

• Oxycodone

• Plavix

• Rexulti

• Risperidone

• Seroquel (Quetiapine)

• Suboxone

• Warfarin

• Xarelto

• Ziprasidone 

Alcoholism

• 2 DUI and still drinks

• DUI within 1 year

• Combination alcohol & drug or arrest history

• Voluntary alcohol treatment – sober less than 1 year

• 16–35 drinks per week / 4–6 drinks daily / drinks almost daily

• Voluntary treatment & still drinking

Arrest

• Misdemeanor within 1 year

• Combination alcohol & drug history

• Multiple arrests

• Starting parole/probation within past 5 years

• Any manslaughter/murder charge

Auto Immune

• Lupus

• Hashimoto’s

• Rheumatoid arthritis (disabled/degenerative/severe)

• Marfan syndrome

• Multiple sclerosis (depending on severity/meds)

• Other auto immune disorders

Back / Joint

• Narcotic pain medication daily

• Multiple narcotic pain meds

• Benzodiazepines + narcotics

• Surgery within 6 months

• Rheumatoid arthritis

• Multiple pain medications

• Currently disabled due to injury

• Fentanyl patches

• Neurological disorders

• Spinal disorders

• Prescription high strength opiates

Cancer

• Treatment within 2 years

• Spread to lymph nodes within 10 years

• Brain tumors

• Recurrence

• Preventative cancer medications

Depression

• Bipolar or antipsychotic medication

• Benzos + narcotics

• 3+ depression/anxiety meds

• Hospitalization within 6 months

• PTSD

• Disabled due to depression/anxiety

• Diagnosis within 6 months

• Under age 18 depression/anxiety

• Mood/personality disorders

Diabetes

• Insulin

• Insulin pump

• A1C 12 or 160+ reading

• 2+ diabetes medications

• Not seen doctor in 1 year

• Hospitalization within 1 year

• T4 build = uninsurable

• Diagnosis within 6 months

Drug

• Drug use before age 18

• Drug use within 5 years

• Combination alcohol/drug/arrest

• Treated for abuse & current use

• Marijuana or drug use within 2 years

• Opiate dependence meds

• Refused for drug abuse & current use

• Any drug history

• Daily narcotics

• Prescribed high strength opiates

Heart/Circulatory

• More than 1 stroke

• Heart attack/stroke under 40

• Heart attack/stroke & smokes

• Within 2 years

• Stents/pacemaker/defibrillator

• Blood thinners

• Disabled due to heart/stroke

• Within 5 years

• Multiple heart meds

• Blood disorders

• Blood clot history

High Blood Pressure

• 160+ systolic

• 100+ diastolic

• No doctor in 1 year

• HBP hospitalization within 1 year

• Build ratio T5+

• 2+ HBP meds

• Not under control

• Diagnosis within 6 months

• Multiple conditions

• Medication patches

Respiratory

• Emphysema/COPD

• ER within 6 months

• Hospitalized pneumonia within 6 months

• Asthma under age 3

Sleep Apnea

• Not following treatment

• Overweight (T5) + HBP/Diabetes

• Oxygen use

Seizure

• Grand mal within 2 years

• Multiple seizure meds

Miscellaneous

• Height/Weight T8+ (T12 Seniors)

• 10+ lbs under average

• Over age range (children)

• Previously declined

• No SSN – max $50,000

• App within 3+ collections

• Adopted child missing paperwork

• Surgery within 6 months

• Unemployed/self employed/retired under 60

• Pending diagnosis

• Organ transplants

• Chronic pain

• Head/brain injuries

• Residency issues

• Canada: Missing SIN / not in country 12 months

Cancer

• Any internal cancer treated within past 2 years

• Metastatic cancer treated within past 10 years

• Acute leukemia within 5 years

• Chronic untreated leukemia less than 2 years from diagnosis

• Lung cancer treated within 5 years or current smoker

• Pancreatic cancer treated within 5 years

• Hodgkin’s lymphoma treated within 2 years

• Non-Hodgkin’s lymphoma treated within 2 years

Diabetes & Related

• Diabetes with Overweight T6 or higher

• Diabetes with kidney disease

• Insulin diabetes with stroke, heart disease, or peripheral artery disease

• Insulin diabetes not seen by doctor within 2 years

• 
  

Habits / Drugs / Alcohol / Arrest

• Alcohol treatment and still drinking or sober less than 1 year

• Alcohol treatment with hard drug history and clean less than 5 years

• Drug use or drug-related arrest within 2 years (excluding marijuana)

• Multiple DWIs (2 within 5 years, last within 2 years)

• 3+ DWIs and drinking within past year

• Combination of opiate and benzodiazepine medications

• Felony arrest starting probation/parole within past 5 years

• Multiple arrests (2+) with last within 5 years

• Misdemeanor with probation within 1 year

• Marijuana use with prior alcohol treatment, hard drug use, or felony

• Currently incarcerated

Heart / Circulatory / Blood

• Angioplasty, bypass, heart attack, or angina within 6 months

• Heart attack under age 40

• Congestive heart failure within 1 year

• Multiple heart attacks

• Stroke within 1 year or multiple strokes

• Defibrillator implant

• Coronary artery bypass – multiple surgeries

• Peripheral vascular disease with surgery

• High blood pressure hospitalization within 1 year

• Sickle cell anemia under age 21

Misc Medical Disorders

• Alzheimer’s disease

• HIV/AIDS

• Kidney dialysis

• Kidney transplant within 1 year

• Pancreas transplant within 1 year

• Severe or rapidly progressive multiple sclerosis

• Over build chart limits

• Severe/disabling rheumatoid arthritis

• CREST / severe scleroderma

• New seizure diagnosis within 6 months

• Grand mal seizure within 2 years

• Suicide attempt within 2 years

• Weight loss surgery within waiting period (band 3 months / bypass 6 months)

• Hydrocephalus under age 19 or recent diagnosis

• Cirrhosis within 3 years

• Cystic fibrosis

• Severe COPD using home oxygen with cardiac failure

• Recent hepatitis under treatment

• Anastrozole (Arimidex)

• Azathioprine (Azasan, Imuran)

• Bicalutamide (Casodex)

• Buprenorphine

• Calcitrol (Rocaltrol, Vectical)

• Calcium Acetate

• Camptosar

• Capecitabine (Xeloda)

• Cinacalcet (Sensipar)

• Cyclosporine (Sandimmune, Neoral, Gengraf)

• Dilaudid

• Donepezil (Aricept)

• Exemestane

• Lanthanum Carbonate (Fosrenol)

• Lamotrigine (Lamictal)

• Latuda

• Letrozole (Femara)

• Memantine (Namenda)

• Methotrexate (Otrexup, Xatmep, Trexall, Rasuvo)

• Morphine

• MS Contin

• Mycophenolate Mofetil

• Mycophenolic Acid (Cellcept, Myfortic)

• Renvela (Sevelamer)

• Risperidone

• Rivastigmine (Exelon)

• Tacrolimus oral form (Envarsus, Prograf, Astagraf XL)

• Fentanyl XR

• Galantamine (Razadyne, formerly Reminyl)

• Hydroxyurea (Droxia, Hydrea)

• Tamoxifen

• Xarelto