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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Insurable?

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Question: My parents keep telling me that they are uninsurable because my mom has diabetes and my dad has high blood pressure. They are 58 and 62 and would like to retire, but need health coverage. Other they would both like to lose a few pounds, I don't think either would be considered overweight.

Answer: Your mom's diabetes and your dad's high blood pressure are not, by themselves, contitions that would make them "uninsurable" for catastrophic health insurance.

In the case of diabetes, the first question I would ask is if she is insulin dependent. If not, she could be covered if she is a non-smoker, without kidney, vision, or circulation problems. As for her weight, her BMI would have to be 28 or less. The number and cost of medications will be a factor as well.

The additional risk factors for your dad's hypertension includes: smoking, cholesterol, weight, age, overall number of medications.

But every case is unique, so have them give me a call at 800-557-5693 and I'll try to help them .

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