We write in New York only.
The applicant has been denied health coverage in the past 12 months
The applicant is pregnant or has reason to believe that she is.
he applicant has been hospitalized in the past 5 years (excluding pregnancy).
The applicant has been receiving ongoing medical treatments (excluding regular pap smears, voluntary check-ups, etc).
The applicant smokes or uses other form of tobacco.
High Blood Pressure
Depression Requiring Medication
Other Major Illness
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