InstaPivot

Health Conditions :

Medications :
* Limit of 15

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Products :

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The InstaPIVOT™ tool is a courtesy of GoldenCare. It is only a recommendation and not a guarantee of approval as there is the potential for additional information to develop in underwriting. Approval is always at the underwriter's discretion. Product benefits vary by state. Please report any issues to marketing@goldencareusa.com.

HEALTH CONDITION(S) OR SITUATION(S)*	TRUE FREEDOM HOME CARE PLAN	MANHATTAN LIFE HHC SELECT	GTL HOME HEALTH CARE	AETNA HOME CARE PLUS	MANHATTAN LIFE OMNIFlex™ STC PLAN		WELLABE STC PLAN**		AETNA RECOVERY CARE STC PLAN	GTL RECOVER CASH STC PLAN	Cigna STC
Issue Ages	18-99	45-89	55-85	50-89	45-89		40-89		50-89	40-84	18-89
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Sub Products					Limited Benefits	Full Benefits	Essential Care	Essential Care Plus
Alcohol or drug abuse						(24 months)	(24 months)	(24 months)	(12 months)	(24 months)
Amputation caused by disease				(12 months)		(24 months)	(24 months)	(24 months)	(24 months)	(24 months) for ANY amputation
Cerebral palsy						(24 months)	(24 months)	(24 months)	(36 months)	(24 months)	(3 Years)
AIDS, ARC, or HIV infection								(10 years)	(36 months)	(10 years)
Awaiting test results Non-routine)				(12 months)					(12 months)	(24 months)
Confined or needs assistance with: Cognitive impairment		(If confined or needs ADL assistance)							(36 months) Alzheimer's. Parkinsons	(2 years)	(3 Years)
Eligible for Medicaid or early Medicare (before age 65) due to disability or disabled
HIV/AIDS, ARC								(10 years)	(36 months)	(10 years)
Huntington's chorea							(24 months)	(24 months)	(36 months)		(2 years)
In hospital or pending admission			pending hospitalization in the next 60 days
Diabetes requiring More than 50 units of insulin daily						(24 months)	(24 months)	(24 months)	(24 months)	(24 months)
Diabetes with any complications resulting from the diabetes (included neuropathy, heart and artery blockage, retinopathy)					If neuropathy, kidney, or retinopathy	If neuropathy, kidney, or retinopathy	(24 months)	(24 months)	(Currently)	(24 months) for neuropathy, eye, kidney complications
Needs formal/informal home healthcare services		(Currently)		(Currently)			(24 months)		(Currently)	(24 months)
Receiving assistance or supervision for ADLs (bathing, dressing, eating, toileting, transferring) or has bowel/bladder incontinence.										(24 months)
Receiving assistance with ADLs										(24 months)
Receiving home health care or confined to rehab, nursing, or assisted living facility.		(Currently)		(Currently)					(Currently)	(24 months)	(Currently)
Diabetes with Kidney dialysis					(Currently)	(Currently)		(24 months)	(Currently)	(24 months)
Told by a medical professional that surgery may be required in the next year fo Including joint replacement				(12 months)					(12 months)	(24 months)	(1 year)
Treated for or advised to have: Surgery			within 60 days		(12 months)	(12 months)			(12 months)	(24 months)	(1 year)
Parkinson's, psychotic disorders					If Parkinson's 1-3		Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	(36 months) for Parkinsons	(24 months)	(3 years) for Parkinsons
Diabetes with Kidney disease/failure					(Currently)	(Currently)	(24 months)	24 months)	(Currently)	(24 months)
Huntington's disease						(24 months)	(24 months)	(24 months)	(36 months)		(2 years)
Organ transplant (excluding corneal)						(24 months)				(24 months)	(3 years)
Diabetes with Neuropathy					(Currently)	(Currently)	(24 months)	(24 months)	(Currently)	(24 months)
Advised to have tests, treatment, or surgery that hasn't been completed or still has pending test results.			(60 days) pending surgery, admission into hospital or nursing home	(12 months)	(12 months)	(12 months)			(12 months)	(24 months)	test results other than routine
Congestive heart failure						(2 years)		(2 years)	(3 years)	(24 months)	(2 years)
Lupus						(2 years)			(36 months)	(24 months)
Systemic lupus erythematosus (SLE)						(2 years)			(36 months)	(24 months)
Congestive heart failure, kidney disease, cirrhosis, Paget's disease, lupus, or any connective tissue disorder						(2 years) CHF, Lupus, cirrhosis		(24 mos) CHF	No (36 months)	(24 months) CHF	CHF (2 years)
Alzheimer's, dementia, memory loss				Cannot require any assistance with ADL's	(24 months)	(24 months)	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	(36 months) Alzheimer's	(24 months)	(3 years)
Cancer (except skin cancer in situ)				(12 months)	(24 months)	(24 months)		(24 months)	(36 months)	(24 months)	(3 years)
Cancer except non-melanoma skin cancer				(12 months)	(24 months)	(24 months)		(24 months)	(36 months)	(24 months)	(3 years)
Cancer that has metastasized				(12 months)	(24 months)	(24 months)		(24 months)	(36 months)	(24 months)	(3 years)
Diabetes with neuropathy, eye, or kidney complications					(24 months)	(24 months)	(24 months)	(24 months)	(Currently)	(24 months)
Lymphoma				(12 months)	(24 months)	(24 months)			(36 months)		(3 years)
Diabetes with Proliferative retinopathy					(Currently)	(Currently)	(24 months)	(24 months)	(Currently)	(24 months)
Memory loss					(24 months)	(24 months)			(36 months) Alzheimers	(24 months)	(3 years)
Diabetes with Renal insufficiency					(Currently)	(Currently)	(24 months)	(24 months)	(Currently)	(24 months)
Amyotrophic lateral sclerosis (ALS)						(24 months)	(24 months)	(24 months)	(36 months)	(24 months)	(3 years)
Diabetes with: diabetic coma							(24 months)	(24 months)	(Currently)
Chronic liver disease						(24 months)		(24 months)	Unless Cirrhosis	(24 months)	(3 years)
Chronic lung disease (COPD)						(24 months)		(24 months)	If on oxygen or taking 3+ medication for the condition	(24 months)	(24 months)
COPD						(24 months)		(24 months)	If on oxygen or taking 3+ medication for the condition	(24 months)	(24 months)
COPD, COLD, emphysema, respiratory failure						(24 months)		(24 months), emphysema or COPD	If on oxygen or taking 3+ medication for the condition	(24 months)	Emphysema, chronic bronchitis, COPD
Diabetes requiring more than 2 oral and 1 injectable diabetes medications						(24 months)
Liver disease (e.g., cirrhosis, hepatitis C)						(24 months)		(24 months)	(3 years) Cirrhosis	(24 months)	(3 years)
Motor neuron disease						(24 months)	(24 months)	(24 months)	(36 months)	(24 months)
Multiple sclerosis						(24 months)	(24 months)	(24 months)	(36 months)	(24 months)	(3 years)
Diabetes with: Heart Disease							(24 months)	(24 months)	(Currently)
Neurological or Neuromuscular disease						(24 months)	(24 months)	(24 months)	(36 months)	(24 months)	(3 years)
Diabetes with: Insulin shock							(24 months)	(24 months)	(Currently)	(24 months)
Stroke or TIA/mini-stroke				(12 months)		(24 months)		(24 months)	(24 months)	(24 months)	(2 years)
Alzheimer's				Cannot require any assistance with ADL's	(Currently)	(Currently)	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	(36 months)	(24 months)	(3 years)
Alzheimer's, dementia, Parkinson's (stage 4 or 5), Huntington's Chorea, or cognitive impairment.			Not Alzheimer's Dementia, or Memory Loss	Cannot require any assistance with ADL's	(Currently)	(Currently)	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	(36 months) Alzheimer's. Parkinsons	(24 months)	Huntington's, (2 years); Alzheimer's, cognitive, Parkinsons (3 years)
Bedridden or receiving any type of home care		(Currently)		(Currently)	(Currently)	(Currently)	(Currently)	(Currently)	(Currently)	(24 months)	(Currently)
Cognitive impairment					(Currently)	(Currently)			(36 months) Alzheimer's. Parkinsons	(24 months)	(3 years)
Confined to a hospital or nursing facility					(Currently)	(Currently)			(Currently)	(24 months)	(Currently)
Diabetes with: Insulin use						Unless over 50 units daily	(24 months)	(24 months)	(Currently)	(24 months)
Diabetes with: skin ulcer							(24 months)	(24 months)	(Currently)
Diabetes with: stroke or TIA					If stroke was over 2 years ago	If stroke was over 2 years ago	(24 months)	(24 months)	(Currently)
Diagnosed or treated for any type of seizure									(12 months)
Insulin-dependent diabetes plus heart disorder (e.g., high blood pressure)					Insulin Dependent with heart Failure	Insulin Dependent with heart Failure	(24 months)	(24 months)	(Currently) with the excepion of high blood pressure
Insulin-dependent diabetes in conjunction with heart failure.					(Currently)	(Currently)	(24 months)	(24 months)		(24 months)
Required help or supervision from another person or device for ADLs					(device not mentioned on app)	(device not mentioned on app)				(24 months)
Alzheimer's, dementia, Parkinson's, cerebral palsy, multiple sclerosis, other neurological/neuromuscular disorders			Not Alzheimer's, Dementia, or Memory Loss	Cannot require any assistance with ADL's	Alzheimer's, dementia, Parkinson's stages 4 and 5	Cerebral Palsy, MS	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	(36 months) Alzheimers, Parkinsons, cerebral palsy. MS	(24 months)	(3 years)
Liver, kidney, or pancreatic disease						liver disease		(24 months)- Liver	(3 years) for kidney or cirrhosis	(24 months)	(3 years) liver or kidney
Use of walker, wheelchair, multi-pronged cane, stair-lift, chairlift, motorized cart, hospital bed, or oxygen				Wheelchair	Unless oxygen use (24 months), must be able to perform ADLs	Unless oxygen use (24 months), must be able to perform ADLs			(Currently)	(24 months)	Cane not mentioned on application
Parkinson's disease					if stages 4-5	stages 1-3	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	(36 months)	(24 months)	(3 years)
Paralysis					if unable to perform ADLs	if unable to perform ADLs	(24 months)	(24 months)	If unable to perform ADLs	If unable to perform ADLs	if unable to perform ADLs
Kidney disease requiring dialysis					if with diabetes	if with diabetes		(24 months)	(3 years)	(24 months)	(3 years)
pending test results				(12 months)	(12 months)	(12 months)				(24 months)
Leukemia				(12 months)				(24 months)	(36 months)		(3 years)
Malignant melanoma				(12 months)	(24 months)	(24 months)			(36 months)	(24 months)	(3 years)
Diabetes treated with 3 or more medications						if less than 2 oral AND one injectable					(12 months)
Diabetes with three or more medications						if less than 2 oral AND one injectable					(12 months)
Muscular dystrophy						(24 months)	(24 months)	(24 months)	(36 months)	(24 months)	(3 years)
Diagnosed with terminal illness				If condition listed on app	unless for a condition named on application	unless for a condition named on application	unless for a condition named on application	unless for a condition named on application	unless for a condition named on application	unless for a condition named on application
Any procedure to improve circulation								(24 months)			(2 years)
Cardiomyopathy											(1 year)
Chronic bronchitis											(2 years)
Chronic bronchitis or emphysema								(24 months) Emphysema			(2 years)
Crippling or rheumatoid arthritis									(36 months)	(24 months)	(Currently)
Diabetes with vascular disease							(24 months)	(24 months)	(Currently)		(12 months)
Diabetes with: Circulatory Disease (heart/vessels)							(24 months)	(24 months)	(Currently)		(12 months)
Nebulizer or oxygen						Oxygen (24 months)	(24 months)	(24 months)	(24 months)	(24 months) Oxygen	Yes, unless for Chronic Respiratory Disease
Needs assistance with daily activities (e.g., walking, eating, dressing, bathing, toileting)
Psychotic disorders							Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	(24 months)	(24 months)
Requires assistance in performing every day activities such as walking, eating, dressing, shopping, housekeeping, toileting, or bathing
Seizure (any type)									(24 months)
Stroke (CVA)				(12 months)		(24 months)		(24 months)	(24 months)	(24 months)	Yes
Emphysema/lung disease						If no oxygen		(24 months) COPD or emphysema			(2 years)
Heart attack				(12 months)				(24 months)			(2 years)
Heart disease requiring permanent cardiac defibrillator				(12 months)
Heart or valve surgery				(12 months)					(12 months) if surgery is pending	(24 months)	(24 months)
Hospitalized 3+ times for any reason									(24 months)		(2 years)
Inability to control bowel or bladder										(24 months)
Insulin-dependent diabetes							(24 months)	(24 months)	Unless requires more than 50 units daily	(24 months)
Kidney disease								Unless on dialysis	(36 months)	(24 months)	(3 years)
Kidney Failure								unless on dialysis	(36 months)	(24 months)	(3 years)
More than 2 hospitalizations				(12 months)							(2 years)
Nervous system disease/disorder							Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	Parkinson’s disease, any disease or disorder of the nervous system, senile dementia, Alzheimer’s disease, psychotic disorders, or memory loss	(24 months)		(3 years)
Neurological or neurmuscular disorder						Unless classified as a DISEASE such as ALS, MS, Cerebral Palsy, etc.	any disease or disorder of the nervous system,	any disease or disorder of the nervous system,	(36 months)	(24 months)	(3 years)
One or more fractures due to osteoporosis								(24 months)
Pancreatitis										(24 months)	(2 years)
Peripheral artery disease (PAD)											(2 years)
Peripheral vascular/arterial disease								Unless procedure to improve circulation was done in the last 24 months			(2 years)
Rheumatoid arthritis									(36 months)	(24 months)	(Currently)
Three or more medications for a lung or respiratory disorder						Unless on oxygen or condition named on application			(24 months)
Treated for mental/nervous disorder (excluding anxiety or mild depression)									(24 months)
Using a walker, cane, wheelchair, or motorized mobility device				Wheelchair						(24 months)	Cane not mentioned on application
Using wheelchair, walker, or motorized mobility aid				Wheelchair						(24 months)