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Will an insurance company decline someone because they are a smoker and have high blood pressure?


Will an insurance company decline someone because they are a smoker and have high blood pressure?

In a new york minute!
It depends on the company and the plan but they could for sure.
Those are two of the red flags that insurance companies look at. the third one is high cholesterol. Exercise and a higher potassium intake may help your blood pressure and you know you've got to quit smoking...right?
They will make you take a physical and if they approve your policy, it will be at a higher rate than for someone who is perfectly healthy.

Good Luck!
Absolutely. In fact, they can (and will) decline you for ANY pre-existing medical condition, if they want to.

'Nuff said?
no
An insurance company could decline to cover you because of those conditions but they probably would not. They make their money by assessing the risk each person presents and charging the premium that they hope will cover that person's care expenses plus provide a profit to the insurer.

If your high blood pressure is controlled by medication so that it is in the normal range, they will simply issue a policy but charge more because of the risk your high blood pressure and smoking causes.

Naturally if you follow the earlier advice to exercise (probably lose weight) and quit smoking, you can get your coverage for less.

Many people are not aware of a really good option that fits your situation 鈥?short-term health insurance. You could use it to get covered while you take steps to lower your blood pressure and stop smoking. It differs from normal health insurance because to keep yourself insured you need to re-write it (get a new policy) when it expires. Regular insurance is perpetual; that is, it stays in effect until you do something to cancel it. You pay for that privilege. Short-term health insurance can go into effect as soon as tomorrow. It covers doctors, hospitals, and prescription drugs for any new illnesses or injuries. It does not cover pre-existing conditions. There is no 鈥渘etwork鈥?so you can go to any doctor, hospital or pharmacy you wish. It is much less expensive than normal health insurance. You can tell I am a big fan. Go to http://www.wavehelp.com/short-term-healt... to learn about this coverage from the industry leader. The site is easy to use and really rich in information.

Best wishes.
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