New Articles

  1. Illegal Drugs

    Aetna Modified only Aflac Modified only Americo May be eligible for Select 1 or Select 2 Living Promise Decline if illegal drug use in the last two years. Royal Neighbors Declined if diagnosed or treated for ...
  2. Reckless Driving

    Aetna Not specifically mentioned Aflac Not specifically mentioned Americo May be eligible for Select 1 or Select 2 Living Promise Decline if convicted of >1 reckless driving in the last 2 years Royal Neighbors ...
  3. Oxygen

    Aetna Decline if used or prescribed in the last year other than for sleep apnea Aflac Decline if used or prescribed in the last year other than for sleep apnea Americo Decline if supplemental oxygen used to assist in breat...
  4. Home Health Care

    Aetna Decline Aflac Decline Americo May be eligible for Select 1 or Select 2 Living Promise Decline if receiving care currently OR been advised to receive care Royal Neighbors Not specifically mentioned Co...
  5. Hospice

    Hospice is designed to give supportive care to people in the final phase of a terminal illness.  Focus is on comfort and quality of life rather than cure.  The goal is to enable patients to be comfortable and free of pain so that they can live e...
  6. Correctional Facility, confined to

    Aetna Decline Aflac Decline Americo Decline Living Promise Not specifically mentioned TruStage Not asked Royal Neighbors Decline Corebridge Decline TransAmerica Decline if currently incarc...
  7. Bedridden

    Aetna Decline Aflac Decline Americo Decline if currently or in the last 12 months Living Promise Decline if currently bedridden TruStage Not specifically asked but  could  indicate being hospitalized or being c...
  8. Angina (Chest Pain)

    Angina is a condition marked by severe pain in the chest, often also spreading to the shoulders, arms, and neck, caused by an inadequate blood supply to the heart. Aetna Diagnosis or treatment within 1 year = Modified Diagnosis or trea...
  9. Heart Attack

    Heart Attack  The death of heart muscle due to the loss of blood supply, usually caused by a complete blockage of a coronary artery, one of the arteries that supplies blood to the heart muscle. Aetna Diagnosis or treatment within 1 year...
  10. Bypass Surgery

    Aetna < 1 year = Modified Within 2 years = OK for Std Aflac < 1 year = Modified Within 2 years = OK for Std Americo May be eligible for Select 1 or Select 2  Select 2 at best if also a smoker Living Promise Decline if...