Updated Articles

  1. 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...
  2. Lung Disease

    Aetna See specific lung disease If using oxygen = Decline Aflac See specific lung disease If using oxygen = Decine Americo See specific lung disease. Living Promise Decline, if chronic Royal Neighbors See speci...
  3. Emphysema

    Emphysema is a type of COPD involving damage to the air sacs in the lungs.  As a result, your body does not get the oxygen it needs making it hard to catch your breath.  You may also have a chronic cough and have trouble breathing during exercis...
  4. COPD

    Chronic Obstructive Pulmonary Disease (COPD) is a lung disease characterized by chronic obstruction of lung airflow that interferes with normal breathing and is not fully reversible.  The more familiar terms "chronic bronchitis" and "emphysema" ...
  5. Chronic Cough

    Aetna Not specifically mentioned Aflac OK at Std If using oxygen = Decline Americo May be eligible for Select 1 or Select 2  Select 2 at best if also a smoker Living Promise Decline if PI had a physician consultat...
  6. Bronchitis

    Chronic Bronchitis is one type of COPD (chronic obstructive pulmonary disease).  The inflamed bronchial tubes produce a lot of mucus.  This leads to coughing and difficulty breathing.  Ongoing symptoms are controlled with treatment including med...
  7. PTSD

    Post Traumatic Stress Disorder (PTST)  is a psychiatric disorder that can occur in people who have experienced or witnessed a traumatic event such as a natural disaster, a serious accident, a terrorist act, war/combat, rape or other violent perso...
  8. Mental Health

  9. Obsessive Compulsive Disorder (OCD)

    Obsessive Compulsive Disorder  is a personality disorder characterized by excessive concern with orderliness, perfectionism, attention to details, mental and interpersonal control, and a need for control over one's environment. Aetna N...
  10. Mental Incapacity

    Aetna Decline Aflac Decline Americo Decline Living Promise Decline Royal Neighbors Decline Corebridge Decline TransAmerica Decline Prudential Decline American Amicable/Occidental Decl...