Long-Term Care Insurance and Bronchitis

by | Apr 27, 2019 | Health Conditions

Long-term care insurance and bronchitis may not seem like they go together. Shopping for a long-term care insurance policy can be confusing especially if you have bronchitis. Getting long-term care insurance with bronchitis is possible if you work with a long-term care insurance specialist that will help you shop for a policy. 

Can I qualify for long-term care insurance if I have bronchitis?

If you have bronchitis you will most likely qualify for long-term care coverage. Every insurance company has different criteria to determine who they can insure and what premium they’ll charge. It’s important to work with an experienced, independent agent who is familiar with the four main types of long-term care coverage. An independent, long-term care specialist can recommend the perfect policy for you based upon your health history.

Which type of long-term care policy should I buy if I have bronchitis?

There are four main types of long-term care coverage: traditional long-term care insurance, long-term care partnership programs, life insurance with long-term care riders, and annuities with long-term care riders. The best type of policy for people with bronchitis is usually a traditional long-term care policy or a long-term care partnership program. However, everyone’s situation is unique. Click here to try our proprietary “Policy Finder” tool (no phone required). It will give you an instant ranking of the four types of policies based upon your answers to a few short questions.

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Will I pay more for long-term care insurance if I have bronchitis?

Every long-term care insurance company is different. Some long-term care insurers may charge applicants 10% more due to a history of bronchitis. Other insurers may charge applicants up to 50% more due to bronchitis, depending upon different factors. That’s why it’s important to work with a long-term care insurance professional who can help you shop around and compare several different policies. 

If you have bronchitis, a long-term care insurance specialist will ask you the following questions to determine if you can qualify for a long-term care insurance policy and calculate your premium:

When were you first diagnosed with bronchitis?

Do you have chronic bronchitis, or just acute? If acute, approximately how many bronchitis episodes do you have per year?

What prescriptions have you taken in the last year for bronchitis?

Do you have daily, oral steroid use? If so, how many mg per day?

Do you have chronic antibiotic treatment?

Do you have cardiomyopathy or any type of heart failure or heart disease?

Have you ever been hospitalized or required an emergency room visit due to bronchitis? If so, when?

Do you have bottled oxygen at home?

 

Can I qualify for long-term care insurance if I have a family history of bronchitis?

Yes, you can qualify for long-term care insurance if you have a family history of bronchitis. Most long-term care insurance companies are not concerned when there’s a family history of bronchitis.

If I have bronchitis will I have to take a physical in order to qualify for long-term care insurance?

Some long-term care insurers do not require a physical if you have bronchitis. Most long-term care insurance companies will review your medical records in order to determine if they can insure you. Ask your long-term care insurance specialist what underwriting criteria each company will use before deciding which long-term care insurance policy is best for you.

Can I qualify for long-term care insurance if I’ve already applied for and been denied coverage due to bronchitis?

Long-term care insurance specialists have less than 20% of their applicants declined. Insurance “generalists” have about 50% of their long-term care insurance applications declined. With over 25 years of experience, we can pinpoint exactly which company (and which type of policy) you’ll be able to qualify for. We have about an 80% success rate in helping our clients get approved even if they were previously declined.

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