Medicare Supplement (Medigap) Pre-Screen Questionnaires

Below are the health questionnaires for some of the more popular Medigap companies. With few exceptions, applications would be denied for anyone having to answer "yes" to any of the questions. Underwriting criteria vary slightly between companies, so you may be accepted by one company for a condition for which another company would decline you. Read the questions carefully.

  • Aflac
  • Cigna/HealthSpring
  • AARP/United Healthcare
Aflac

1. Are you dependent on a wheelchair or any motorized mobility device?

2. Do any of the following apply to you?

Currently hospitalized, confined to a bed, in a nursing facility or assisted living facility, receiving home health care or physical therapy

3. At any time, have you been medically diagnosed, treated, or had surgery for any of the following?

A. congestive heart failure, unoperated aneurysm, defibrillator

B. leukemia, lymphoma, multiple myeloma, cirrhosis

C. Parkinson's Disease, Lou Gehrig's Disease, Alzheimer's Disease, dementia, multiple sclerosis, muscular dystrophy, cerebral palsy

D. chronic kidney disease, kidney failure, kidney disease requiring dialysis, renal insufficiency, Addison's Disease

E. any condition requiring a bone marrow transplant or stem cell transplant, any condition requiring an organ transplant

F. Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), tested positive for the Human Immunodeficiency Virus (HIV)

4. Have you been medically diagnosed or treated by a member of the medical profession for diabetes?

A. that requires use of insulin

B. with complications including retinopathy, neuropathy, peripheral vascular or arterial disease or heart artery blockage

C. with history of heart attack or stroke (at any time)

D. treated with medication that has been changed or adjusted in the past 12 months because of uncontrolled blood sugar

5. Within the past 36 months, have you been medically diagnosed, treated, or had surgery for any of the following?

A. alcoholism, drug abuse

B. cardiomyopathy, atrial fibrillation, anemia requiring repeated blood transfusions, any other blood disorder

C. internal cancer, melanoma, Hodgkin's Disease

D. hepatitis, disorder of the pancreas

6. Within the past 24 months, have you been medically diagnosed, treated, or had surgery for any of the following?

A. enlarged heart, transient ischemic attack (TIA), stroke, peripheral vascular or arterial disease, neuropathy, amputation caused by disease

B. myasthenia gravis, systemic lupus or connective tissue disorder

C. osteoporosis with fractures, Paget's Disease, arthritis that restricts mobility or the activities of daily living

D. any lung or respiratory disorder requiring the use of a nebulizer or oxygen, or 3 or more medications for lung or respiratory disorder

E. any lung or respiratory disorder and currently use tobacco products

7. Within the past 12 months, have you been advised by a medical professional to have treatment, further evaluation, diagnostic testing, or surgery that has not been performed or do you have pending test results?

8. Within the past 12 months, have you been medically diagnosed or, treated, or had surgery for a heart attack, artery blockage, or heart valve disorder?

9. Within the past 12 months, have you been medically diagnosed with wet macular degeneration and have taken or are currently receiving injections?

10. Within the past 12 months, do any of the following apply to you?

A. had a pacemaker implanted

B. had a PSA blood test greater than 4.5, under age 70, with no history of prostate cancer

C. had a PSA blood test greater than 6.5, age 70 or older, with no history of prostate cancer

D. had a seizure

11. Was your last blood pressure reading higher than 175 systolic or higher than 100 diastolic?

Cigna/HealthSpring

1. Are you confined, scheduled for admission, or in the last two (2) years have you been confined to a nursing facility or assisted living facility?

2. Do you receive home health care services; or in the last two (2) years, have you received home health care services for more than three (3) separate periods of care?

3. Do you have a terminal illness; are you in the hospital, pending hospital admission, or have you been hospitalized more than two (2) times in the last two (2) years?

4. Do you receive assistance bathing, transferring, toileting, eating, dressing, or are you bedridden; have you been advised by a medical professional to use the assistance of a wheelchair, walker, or motorized mobility aid?

5. Within the past six (6) months, have you been treated for or advised by a medical professional to have treatment for diabetes with hypertension that required three (3) or more hypertension medications to control or diabetes requiring more than 50 units of insulin daily to control?

6. Within the past two (2) years, have you been treated for (including surgery) or advised by a medical professional to have treatment or surgery for any of the following:

Heart attack, congestive heart failure, coronary bypass, angioplasty, atherosclerosis or arteriosclerosis, peripheral vascular disease, carotid artery disease, coronary artery disease (CAD), angina, cardiomyopathy, stent placement, heart valve surgery, atrial fibrillation, irregular heartbeat, cardiac pacemaker, transient ischemic attack (TIA) or stroke?

7. At any time, have you been treated for (including surgery) or advised by a medical professional to have treatment or surgery for any of the following:

Muscular dystrophy, multiple sclerosis, or amyotrophic lateral sclerosis (Lou Gehrig’s disease)?

Paget’s disease, rheumatoid arthritis, disabling arthritis, osteoporosis with fractures, or paralysis?

Chronic kidney disease, Addison’s disease, renal insufficiency, renal failure, any kidney disease requiring dialysis, cirrhosis of the liver or any condition requiring an organ transplant?

Bipolar disorder, schizophrenia, a paranoid disorder, severe depression, or treatment for depression with medication for two (2) or more years?

Organic brain disorder?

Unrepaired aneurysm, hemophilia, or any other blood disorder?

Any heart disease requiring a permanent, implantable cardiac defibrillator?

Chronic obstructive pulmonary disease (COPD), chronic obstructive lung disease (COLD), emphysema, chronic bronchitis or other chronic lung or respiratory disorder not listed that requires the permanent use of oxygen?

Diabetes with neuropathy, diabetes with retinopathy, or diabetes with vascular disease?

Cerebral palsy, myasthenia gravis, systemic lupus, Parkinson’s disease?

Hepatitis other than hepatitis A or other liver disease?

Dementia, senility or Alzheimer’s disease?

PSA levels greater than 6.0

8. Within the past two (2) years, have you been treated for (including surgery) or advised by a medical professional to have treatment or surgery for any of the following:

Any cancer, excluding skin cancer (except malignant melanoma)?

Anemia requiring repeated blood transfusions?

Alcohol or drug abuse (including counseling)?

Pancreatitis?

Seizure?

9. At any time, have you been treated for or advised by a medical professional to have treatment for an amputation caused by disease or for an organ transplant (other than corneas)?

10. Have medical tests, treatment, therapy, or surgery been advised but not performed or is any surgery anticipated? (This excludes mammograms, pap tests, colonoscopies, or PSA tests which were advised for routine screening purposes only.)

11. Have you ever been diagnosed with or received medical advice or treatment from a physician or an appropriately-licensed clinical professional acting within his/her scope for Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), or Human Immunodeficiency Virus (HIV) infection?

AARP/United Healthcare

Current / Ongoing Conditions

  1. Are you confined to a bed, receiving home health care, or currently being treated or living in any type of nursing facility other than an assisted living facility?

Has a medical professional ever told you that you have End-Stage Renal (Kidney) Disease (ESRD) or that you may or will require dialysis?

Are you awaiting any diagnostic test results?

Within the past year, did a medical professional tell you that you may need any of the following that has not been completed:

  • Surgery, Biopsy, Further evaluation, Treatment, Diagnostic testing


Within the Past 90 Days

Were you hospitalized as an inpatient (not including overnight outpatient observation)?


Within the Past 2 Years

Did a medical professional provide treatment or advice for any problems with your kidneys other than kidney stones?

Were you hospitalized as an inpatient three or more times within the past 2 years?

Did a medical professional tell you that you have or were you diagnosed with, treated, given medical advice, or prescribed medications for any of the following?

  • Artery blockage, bypass surgery, stents, or balloon angioplasty
  • Heart attack, cardiomyopathy, enlarged heart, atrial fibrillation
  • Carotid artery disease, stroke, TIA, or mini-stroke
  • Peripheral vascular disease or amputation due to disease
  • COPD, emphysema, or cystic fibrosis
  • Any lung or respiratory disorder requiring nebulizer or oxygen, on 3+ medications, or currently using tobacco
  • Hemophilia, hepatitis (other than A), or pancreatitis
  • Osteoporosis with injections or fracture
  • Spinal stenosis, quadriplegia, paraplegia, or hemiplegia
  • Psoriatic arthritis or rheumatoid arthritis
  • Systemic lupus (SLE) or myasthenia gravis
  • Macular degeneration (wet form)
  • Bipolar disorder or schizophrenia
  • Alcoholism or drug abuse

Did you receive IV infusions or injections for Primary Immunodeficiency Syndrome?

Did you receive any of the following?

  • Skin grafts, Blood transfusions, IV infusions/injections (not vaccines or B12) for any of these:
  • Asthma, Connective-tissue disorders, Autoimmune disorders, Eye disorders, Blood disorders, Genetic/hereditary disorders, Cognitive impairment, Migraine headaches, Osteoarthritis


Within the Past 3 Years

Were you diagnosed with, treated for, given medical advice, or prescribed medications for:

  • Cancer (other than Leukemia, Lymphoma, or Multiple Myeloma)
  • Melanoma or Metastatic Merkel Cell (cancers other than those listed above)


Within the Past 5 Years

Did a medical professional tell you that you have or were you diagnosed with, treated, given medical advice, or prescribed medications for any of the following?

  • Leukemia, Lymphoma, or Multiple Myeloma
  • Pulmonary heart disease, heart failure, ventricular tachycardia, or cardiac defibrillator
  • Diabetes with neuropathy, retinopathy, kidney problems, proteinuria, or circulation problems
  • Liver fibrosis/cirrhosis, liver failure, or chronic kidney disease (CKD)
  • Amyotrophic lateral sclerosis (ALS) or multiple sclerosis (MS)
  • Alzheimer’s disease, dementia, or Parkinson’s disease
  • Any condition that resulted in or will require a bone marrow, stem cell, or organ transplant