99+ Health Conditions That Can Qualify for Preferred Health Discounts for Long-Term Care Insurance

Abscess (resolved)

Acoustic Neuroma

Actinic Keratosis

Adhesions

Allergies

Anemia (managed, stable)

Ankylosing Spondylitis (mild)

Anxiety (controlled)

Appendectomy

Arrhythmia (controlled)

Arthritis (mild, managed with NSAIDs)

Arthroscopy 

Asthma (mild)

Asthma (seasonal)

Attention Deficit Disorder (ADD/ADHD)

Basal cell (skin cancer)

Bell’s Palsy (resolved)

Benign Positional Vertigo (BPV) 

Benign Prostatic Hypertrophy (BPH)

Bladder Prolapse (surgically repaired)

Breast Disorder (fibrocystic disease)

Bronchitis (acute)

Bunion

Bursitis

Cancer, basal cell 

Cancer (early stage, 5 years since last treatment)

Cancer, squamous cell

Carpal Tunnel Syndrome 

Cataract (no visual impairment)

Cataract (surgery anticipated/recommended)

Cholesterol (controlled)

Cigar Use (celebratory, 1 per month)

Colitis

Compression fracture (not due to osteoporosis)

Corneal transplant

Cystitis

Deep Venous Thrombosis (single episode, no underlying blood disorder)

Depression (mild, stable)

Depression (menopausal)

Depression (situational)

Diverticulitis (well-controlled)

Diverticulosis 

Dizziness (resolved)

Duodenal Ulcer (occasional medication)

Dupuytren’s Contracture

Dyspepsia

Enlarged Prostate (BPH)

Epstein-Barr Syndrome (full recovery)

Esophagitis

Factor V Leiden (asymptomatic)

Fibrocystic Breast Disease

Fracture (traumatic, full recovery)

Fuch’s Dystrophy

Gallbladder (inflammation of)

Gallbladder (removal of)

Gallstones

GERD

Gilbert’s Disease

Glaucoma (stable vision, controlled eye pressures)

Goiter

Gout (well-controlled)

Hashimoto’s

Hay Fever

Heart Murmur (no medication required)

Hematuria (stable)

Hepatitis A (fully recovered)

Herniated disc (surgically repaired, good recovery)

Hiatal Hernia (mild)

High blood pressure (<140/90)

High cholesterol (hypercholesterolemia)

Hormone Replacement Therapy (females)

Hypertension (controlled with medication)

Hyperthyroidism

Hypothyroidism

Hysterectomy (non-malignant)

Impaired Glucose Tolerance (Glucose <125)

Incontinence (urinary, stress or urge)

Inner Ear Disorder (mild)

Irritable Bowel Syndrome (controlled, weight stable)

Kidney disorder (isolated event, resolved)

Kidney infection (treated and recovered)

Labyrinthitis (mild, occasional medication)

Lyme disease (fully recovered, no residuals)

Marijuana (recreational, last use over 1 year ago)

Melanoma (early stage, 5 years since treatment)

Meniere’s Disease (occasional medication)

Migraines (controlled with medication, no restrictions, no limitations)

Mitral Valve Prolapse

Mononucleosis (full recovery)

Myocarditis

Nephrolithiasis 

Osteopenia

Osteoporosis (T scores better than -2.9)

Phlebitis (single attack, fully recovered)

Physical Therapy (acute, self-limiting)

Physical Therapy (completed)

Plantar Fasciitis

Pneumonia (fully recovered)

Polyps (benign)

Prostate (enlarged)

Prostatic hypertrophy (benign)

Prostatism

PSA (elevated, benign)

Psoriasis (mild to moderate)

Pulmonary Embolism (single episode, fully recovered)

Raynaud’s

Reactive Airway Disease

Restless Leg Syndrome

Scoliosis (mild, normal gait)

Seasonal Affective Disorder (SAD)

Shingles (fully recovered)

Sickle Anemia (trait only, no active disease)

Sjogren’s Syndrome (mild, dryness of eyes and mouth only)

Sleep Apnea (mild)

Squamous cell (skin cancer)

Supraventricular Tachycardia (SVT)

Syncope (acute)

Thalassemia Minor

Thyroid hormone replacement

Tobacco Use (no use in past two years)

Transplant (corneal)

Tremor (benign, no limitations, not progressive)

Tuberculosis (fully recovered)

Ulcers, Duodenal or Peptic (occasional medication)

Urinary Tract Infection (UTI)

Uveitis

Varicose Veins (uncomplicated, without medication)

Wolff-Parkinson-White Syndrome (ablated, not present)