Getting Denied For Health Insurance is Easy

failure. Complications occur late in the disease and can attack any organ system. Cardiac complications include coronary artery disease, angina, myocardial infarction, heart failure, arrhythmias, and sudden death. Neurologic complications include cerebral infarctions and hypertensive encephalopathy. Hypertensive retinopathy can cause blindness or glaucoma. Reno vascular hypertension can lead to renal failure. Just because it is controlled does not mean an insurer will accept you, also any combination of High Blood Pressure, High Cholesterol, and Obesity almost always result in a decline with most carriers or at least a very high premium. The reason for all of this is from the insures point of view at very best you will create medical expenses in the form of diagnostic test, assessments, treatment, medication or at worst heart attacks and kidney transplants costing lots of money. 

 

Smoking: When an individual uses tobacco in any form, whether it involves chewing, dipping, or smoking cigarettes, cigars, and a pipe, is an important risk factor by itself. In the past smoking or other tobacco use was considered in underwriting, but only rarely as a factor of importance by itself. For example, if a person had a respiratory problem and smoked, the underwriting decision might be less favorable than for an otherwise similarly situated non smoker. Smoking unaccompanied by any other negative factor however, was not a cause for a less favorable rating and continues to be