Health Conditions :
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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. Product benefits vary by state. Beta testing- 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 | ||
| View Additional Info | View Additional Info | View Additional Info | View Additional Info | View Additional Info | View Additional Info | View Additional Info | View Additional Info | View Additional Info | |||
| Sub Products | Limited Benefits | Full Benefits | Essential Care | Essential Care Plus | |||||||
| Need Assistance with ADL's, Receiving HHC Services or Living in an ALF, NH or some other care facility? |
(Currently) |
(Currently) |
(Currently) |
(Currently) |
(Currently) |
(OR recommended by physician) |
(OR recommended by physician) |
(Currently) |
(24 Mos.) |
(Currently) | |
| Alzheimer's, Dementia, or Cognitively Impaired? |
(Currently) |
Not On App. |
(Currently) |
(Currently) |
(24 Mos.) |
(24 Mos.) |
(36 Mos.) |
(24 Mos.) |
(36 Mos.) | ||
| In next 60 Days, expect to be admitted to hospital, ALF, NH, require HHC, or have surgery? |
(Option A/B); NO (Option C) |
Not On App. | |||||||||
| Kidney Failure (due to diabetes) |
(12 Mos.) |
(Currently) |
(Currently) |
(24 Mos.) |
(24 Mos.) |
(36 Mos.) |
(24 Mos.) |
(36 Mos.) | |||
| Parkinson's Disease (Stages 4-5) |
(24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(36 Mos.) |
(24 Mos.) |
(36 Mos.) | ||||
| Diabetes with insulin AND in conjunction with heart failure? |
(Currently) |
(Currently) |
(24 Mos.) |
(24 Mos.) |
(Currently) |
(24 Mos.) |
(12 Mos.) | ||||
| Internal Cancer (besides skin cancer in-Situ), leukemia, lymphoma, malignant melanoma, or cancer that has spread |
(12 Mos.) |
(24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(36 Mos.) |
(24 Mos.) |
(36 Mos.)
ANY cancer (excluding non-melanoma skin cancer) | ||||
| AIDS, ARC, HIV? |
(Ever) |
(Ever) |
(10 Yrs.) |
(36 Mos.) |
(10 Yrs.) |
(Currently) | |||||
| Diabetic complications resulting in neuropathy, proliferative retinopathy, kidney disease or failure, kidney dialysis or renal insufficiency |
(Besides Kidney Failure) |
(Currently) |
(Currently) |
(24 Mos.) |
(24 Mos.) |
(Currently) |
(24 Mos.) |
(12 Mos.) | |||
| Been advised to have tests, treatment, surgery that has not yet been performed, or have pending results |
(12 Mos.) |
(12 Mos.) |
(12 Mos.) |
Not On App.** |
Not On App.** |
(12 Mos.) |
(24 Mos.) |
(Currently) | |||
| Huntington's Disease |
If Chorea involved (involuntary spasms) - No.
(Currently) |
(Currently) |
(24 Mos.) |
(24 Mos.) |
(36 Mos.) |
(24 Mos.) | |||||
| Currently eligible for Medicaid or on early Medicare due to disability (prior to age 65), or disabled |
(Unless for specific knockout) |
(Currently) |
(Currently) |
Not On App.** |
Not On App.** |
(Unless for specific knockout) |
(Currently) |
(Except for Medicaid) | |||
| Parkinson's Disease (Stages 1-3) |
Tier 1 |
Tier 2
( 24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(36 Mos.) |
(24 Mos.) |
(36 Mos.) | ||||
| Oxygen use due to respiratory disease |
Tier 1 |
Tier 2
( 24 Mos.) |
(12 Mos.) |
(12 Mos.) |
(24 Mos.) |
(24 Mos.) |
(Currently) | ||||
| Multiple Sclerosis |
Tier 1 |
Tier 2
( 24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(36 Mos.) |
(24 Mos.) |
(36 Mos.) | ||||
| Chronic Obstructive Lung or Pulmonary Disease (COPD), Chronic Bronchitis, Emphysema, or Respiratory Disease Requiring Oxygen |
Tier 1 |
Tier 2
( 24 Mos.) |
UNLESS Oxygen, then NO |
(24 Mos.) |
(24 Mos. If Oxygen or 3+ Meds) |
(24 Mos.) |
(Currently) including Interstitial Lung Disease | ||||
| Heart Disease, Congestive Heart Failure, Heart or Valve Surgery? |
(No- Heart Attack or Heart Surgery- 12 Mos.) |
Tier 1 |
(Unless CHF - 24 Mos.) |
(24 Mos.) |
(36 Mos.) |
(24 Mos.) |
(24Mos.) Including Cardiomyopathy; and any disease req. implanted defibrillator | ||||
| Stroke (CVA) |
(12 Mos.) |
Tier 1 |
Tier 2
( 24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(24 Mos.) | ||||
| Kidney Failure (any reason besides due to diabetes) |
(12 Mos.) |
Full UW |
(If dialysis needed 24 Mos.) |
(36 Mos.) |
(24 Mos.) |
(Currently) Any Reason | |||||
| Prescribed daily nebulizer use with Oxygen (NOT due to respiratory disease) |
(12 Mos.) |
(12 Mos.) |
(24 Mos.) |
(24 Mos.) | |||||||
| Use of wheelchair, walker, motorized cart, motorized mobility device? |
(Cannot be 'confined' to wheelchair) |
(6 Mos.) |
(6 Mos.) |
(Currently) |
(24 Mos.) |
(Currently) | |||||
| Require a hospital bed? |
(6 Mos.) |
(6 Mos.) |
(Currently) | ||||||||
| Use of 4+-prong cane? |
(6 Mos.) |
(6 Mos.) |
(Currently) |
(24 Mos.) | |||||||
| Organ transplant (other than corneal)? |
Tier 1 |
Tier 2
( 24 Mos.) |
Not On App. |
Not On App. |
(24 Mos.) |
(36 Mos.) | |||||
| Alcohol or substance abuse? |
Tier 1 |
Tier 2
( 24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(12 Mos. - or been advised) |
(24 Mos.) | |||||
| Cerebral Palsy, |
Tier 1 |
Tier 2
( 24 Mos.) |
NO (24 Mos.) |
NO (24 Mos.) |
(36 Mos.) |
(24 Mos.) | |||||
| Systemic lupus, muscular dystrophy, ALS (Lou Gehrig's Disease), motor neuron disease, psychotic disorders, or other neurological or neuromuscular diseases? |
Tier 1 |
Tier 2
( 24 Mos.) |
(24 Mos., but "Lupus" NOT mentioned on App.) |
(24 Mos., but "Lupus" NOT mentioned on App.) |
(36 Mos.) |
(24 Mos.) |
(36 Mos.)
*Psychotic disorder not on app | ||||
| Amputation caused by disease |
(12 Mos.) |
Tier 1 |
Tier 2
( 24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(24 Mos.) | |||
| Diabetes with 50+ units of insulin |
(Tier 1); Includes, "or 3+ oral and 1 injectible meds" |
(Tier2 -- 24 Mos.); Includes, "or 3+ oral and 1 injectible meds" |
(24 Mos.) |
(24 Mos.) |
(Currently) |
(24 Mos.) |
(Currently) | ||||
| Chronic liver disease (Cirhosis) |
Tier 1 |
Tier 2
( 24 Mos.) |
(incl. Hepatitis C -- 24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(36 Mos.)
Also for Pancreatitis (24 Mos.) | |||||
| Transient Ischemic Attack (TIA) |
(12 Mos.) |
Tier 1 |
Tier 2
( 24 Mos.) |
|
(24 Mos.) |
(24 Mos.) |
(24 Mos.) |
(24 Mos.) | |||
| Diabetic with less than 50 units of insulin and only non-proliferative retinopathy |
(24 Mos.) |
(24 Mos.) |
(Currently) |
(24 Mos.) |
*NO if taking 3 or more diabetic medications | ||||||
| Diabetic complications of heart or artery blockage? |
(No- Heart Attack or Heart Surgery- 12 Mos.) |
(unless currently insulin diabetic with heart failure… then NO) |
(unless currently insulin diabetic with heart failure… then NO) |
(24 Mos.) |
(24 Mos.) |
(Currently) |
(unless heart or valve surgery - 24 Mos.) |
(Currently) | |||
| Use of 2-3 prong cane? |
(6 Mos.) |
(6 Mos.) |
(Currently) |
(12 Mos.) | |||||||
| Memory loss (not yet defined as dementia) |
(Currently) |
(Currently) |
(24 Mos.) |
(24 Mos.) |
(12 Mos.) |
(36 Mos.) | |||||
| Kidney dialysis, renal insufficiency? |
(unless considered kidney failure) |
(unless due to diabetes… then NO) |
(unless due to diabetes… then NO) |
(unless due to diabetes) |
(24 Mos.) |
(36 Mos.) |
(24 Mos.) |
(36 Mos.) | |||
| Overweight or Underweight for Height? |
(Currently) | ||||||||||
| Opiods for Chronic Pain |
See medication list | ||||||||||
| Skin Cancer In-Situ | |||||||||||
| Paget's Disease (Crippling skeletal disorder), Rheumatoid arthritis or other connective tissue disorders? |
Yes |
(unless Lupus |
Not On App.** |
Not On App.** |
(36 Mos.) |
(24 Mos.) |
(currently)
YES for Paget's Disease | ||||
| Any type of seizure? |
(unless due to neurological disease, then tier 2 - 24 Mos.) |
(unless due to disease or disorder of the nervous system- 24 Mos.) |
(unless due to disease or disorder of the nervous system- 24 Mos.) |
(12 Mos.) |
(unless due to neurological disorder, then - 24 Mos.) | ||||||
| Diabetes with 1-49 units insulin (no complications) |
(24 Mos.) |
(24 Mos.) |
(24 Mos.) | ||||||||
| Been hospitalized 3+ times for any reason? |
(2+ times - 12 Mos.) |
(24 Mos.) |
(24 Mos.) | ||||||||
| Use of 1 prong cane? |
(Currently) | ||||||||||
| One or more fractures due to osteoporosis? |
(24 Mos.) | ||||||||||
| CRITICAL CASH -- CARDIAC SPECIFIC: Heart Attack, Chest pain, Coronary bypass, angioplasty, stent placement, angina, heart arrhythmia requiring treatment, cardiomyopathy, abnormal heart test | " | ||||||||||
| CRITICAL CASH -- CARDIAC SPECIFIC Continued: High Blood Pressure currently treated with 3 or more medications, Brain Hemorrhage, Carotid or Peripheral Artery Disease, Unoperated Aneurysm, Diabetes with Insulin, or Diabetes Diagnosed Prior to Age 50? | " | ||||||||||
| CRITICAL CASH CANCER SPECIFIC Hodgkin's or Non-Hodgkin's Lymphona, Sarcoma, Myelodysplastic Syndrome, or ANY other type of cancer (excluding skin cancer), or ANY tumor of the brain? | " | ||||||||||
| CRITICAL CASH KNOCKOUTS: ALS (Lou Gehrig's Disease), Central Nervous System Disease, Crohn's Disease, Cystic Fibrosis, Hepatitus B or C (Chronic), Mental Retardation, Motor Neuron Disease, Muscular Dystrophy, Paralysis, Parkinson's, or Ulcerative Colitis? | " | ||||||||||