Eligibility

Applicants between the ages of 2 weeks and age 65 are generally acceptable. People currently taking medication may be approved standard. Examples are hypertension, thyroid conditions, occasional allergy symptoms, hormone replacement, birth control and occasional asthma symptoms.

All companies have certain "standards" they use to determine the insurability of an applicant. They take into account the applicant’s height and weight, medical history and often their occupation. We have listed below the most liberal conditions of these "standards". Some companies may be more restrictive. Call us for details.

Height / Weight Tables (maximum)
Male Female
5’ 0" 209 199
5’1" 214 204
5'2" 219 209
5'3" 224 214
5'4" 231 218
5'5" 237 223
5'6" 243 229
5'7" 249 236
5'8" 255 242
5'9" 262 248
5'10" 268 256
5'11" 276 260
6'0" 284 269
6'1" 292
6'2" 299
6'3" 307
6'4" 309
6'5" 316
6'6" 323

Below are common medical conditions, which are not acceptable by any company, and the application will be declined. If you have any of these conditions, we suggest you contact the Texas Health Insurance Risk Pool at 1-888-398-3927 to obtain coverage for pre-existing conditions. Other conditions may be excluded from coverage for a period of time. Call us for details.

Addison’s disease
Adrenal Insufficiency
AIDS, ARC, HIV, HTLV Positive
Alcoholism (within 5 years)
Alzheimer’s disease
Angina Pectoris
Anorexia Nervosa (within 5 years)
Anxiety
Bright’s disease
Buerger’s disease
Bulimia (within 5 years)
Cancer (within 10 years, certain skin
Cancers may be covered)
Cerebral palsy
Cirrhosis
Colostomy
COPD
Coronary artery disease
Cushing’s Disease
Depression (current)
Diabetes
Down’s syndrome
Drug abuse (within 5 years)
Emphysema
Epilepsy (grand mal)
Heart disease, attack, bypass surgery
Hemophilia
Hepatitis (chronic or current)

Hodgkin’s disease
Hydrocephalus
Intestinal bypass
Kidney dialysis/transplant
Leukemia
Lupus
Melanoma
Mitral insufficiency/stenosis
Multiple sclerosis
Muscular atrophy/dystrophy
Myasthenia gravis
Narcolepsy
Nephritis (chronic)
Paralysis
Paraplegia
Parkinson’s disease
Peripheral-vascular disease
Pregnancy (any member of the family)
Psychosis/psychoneurosis
Raynaud’s disease
Renal failure
Rheumatoid arthritis
Schizophrenia
Scleroderma
Serious congenital abnormalities
Sickle cell anemia
Stroke
Transplants
Ulcerative colitis
Wilson’s disease

The following conditions usually will be "waivered" by the insurance companies. This means that some companies will not cover doctor visits, complications or anything associated with that or maybe other possible conditions caused by the situation. Some companies will cover the medications used to maintain the conditions. Call for details.

Acne
Allergies (daily meds/shots)
Anemia
Arthritis (not rheumatic)
Bladder infections
Bone spurs
Breast implants (after 10 years)
Breast tumors
Bursitis
Carcinoma (skin)
Carpal-tunnel
Chiropractic treatments
Colitis (non ulcerative)
Complication of pregnancy
Cysts
Depression (after 5 years)
Dermatitis
Diverticulitis
Drug addiction (after 5 years)
Endometriosis
Epilepsy (petit mal 5/yrs)
Gastritis
Gonorrhea
Gout (usually declined)
Hay fever (usually OK)
Headaches (migraine)
Heart Murmur
Hemorrhoids
Hepatitis (testing required)
Hypertension (usually std)
Hyperthyroidism (usually std)
Hypoglycemia (usually std)
Indigestion (current)
Jaundice
Kidney stones (recent)
Lumbar
Mastectomy
Mastoiditis

Measles
Meningitis
Menstrual problems
Migraines
Mitral valve prolapse
Mononucleosis
Nephritis
Osteoporosis
Otitis media
Otosclerosis
Ovary removed
Pancreatitis
Peptic ulcer
Pericarditis
Phlebitis
Pinched nerve
Pneumonia (recent)
Poliomyelitis
Polyps
Prolapsed uterus
Prostatitis
Pylorospasm
Rheumatic fever
Sciatica
Scoliosis
Spinal manipulations
Stomach trouble
Stomach ulcer
Strabismus
Subluxation
Sugar in blood
Syphilis
Tonsillitis (recent)
Ulcer
Vaginitis
Varicose veins
Warts, venereal

The following occupations are ineligible for coverage with most companies.