Federal Option Eligibility

Based on your rate quote results, you may be eligible for the Inclusive Health - Federal Option. If you choose to enroll in this option, please note: there is no waiting period for coverage of pre-existing conditions.

If you prefer, an agent can assist you in the completion of the application.

Additional Eligibility Requirements for Federal Option Coverage

You are eligible of Inclusive Health - Federal Option Coverage if you have been without creditable coverage for at least six months and...

You can answer YES to AT LEAST ONE of the following questions:

• Your medical condition makes you "uninsurable."
• You have been refused or denied coverage for health reasons.
• You have been offered coverage by an insurer with a conditional rider limiting coverage.
• You have one of the Inclusive Health - Federal Option presumptive conditions which allows automatic enrollment.

You are eligible if you can answer YES to ALL of the following questions:

• You are a legal U.S. resident.
• You are a North Carolina resident.
• You are not covered as a dependent.

Presumptive Conditions: You are automatically eligible for Inclusive Health - Federal Option coverage and you have been diagnosed with any of the following conditions:

Click to view list of medical conditions Abnormal heart rhythm or palpitations Abnormal lipids including high cholesterol or triglycerides treated with medications ADD or ADHD treated with medication AIDS/HIV Alcohol, drug or substance abuse or dependency Allergist visit or immuno therapy injection within last 12 months Alzheimer's Disease Amyotrophic Lateral Sclerosis (Lou Gehrig's Disease) Aneurysm Angina Pectoris Angioplasty Ankylosing Spondylitis Anorexia or Bulimia Anxiety/stress/panic disorder Aplastic Anemia Arteriosclerosis Arthritis, such as inflammatory arthritis Asthma treatment or medication within last 24 months Bipolar disorders Brain damage Breast biopsies more than 2 in 5 years Cancer (except skin) treated or diagnosed in past 5 years Cardiac bypass surgery Cardiomyopathy Cataracts or glaucoma Cerebral Palsy Cerebral shunt placement Chiropractic or physical therapy treatment more than 5 times in last yr Chronic bronchitis Chronic fatigue Chronic hepatitis B, C or D Chronic kidney disease Chronic lyme disease Chronic Obstructive Pulmonary Disease Chronic Pancreatitis Cirrhosis of the Liver Cochlear implant Colitis, Crohn's, irritable bowel syndrome, inflammatory bowel disease, familial polyposis Congestive Heart Failure (CHF) Connective tissue disorder Coronary Heart Disease Coronary Insufficiency Cystic Fibrosis Deep venous thrombosis (DVT) Dementia Depression Diabetes - Type I or Type II Disc disorder treatment including surgery or injection therapy in last year Diverticulitis Down's syndrome Emphysema Endometriosis, uterine fibroids Epilepsy, or seizure disorder Epstein Barr End stage renal disease ESRD) Fibromyalgia Friedreich's Ataxia Gall bladder disease with gall stones but without removal of gall bladder Gastric bypass or gastric restrictive procedures like lap band Gastro esophegeal reflux disorder treated with medication or surgery Heart valve replacement Hemochromatosis Hemophilia Hodgkin's Disease Huntington's Chorea Hydrocephalus Hypertension Interstitial lung disease Kidney disease being treated with medications such as Procrit, or Epogen Kidney Disease requiring dialysis Kidney or bladder stones Knee, hip or joint replacement recommended or existing Leukemia Lupus Erythematosus Disseminate Major Organ Transplant Malignant Lymphoma Melanoma Migraines or chronic headaches treated with medication Mitral valve prolapse Motor/ Sensory Aphasia Multiple or Disseminated Sclerosis Muscular Dystrophy Myasthenia Gravis Myocardial Infarction (heart attack) Myotonia Obsessive Compulsive Disorder Open Heart Surgery Organ transplant Osteoarthritis Osteoporosis Other immune deficiency disorders Pacemaker Paget's Disease Paralysis Paraplegia or Quadriplegia Parkinson's Disease Peripheral vascular disease (PVD) Permanent colostomy/ileostomy Polio Polyarteritis (periarteritis nodosa) Polycystic kidney disease Primary Cardiomyopathy Progressive Systemic Sclerosis (Scleroderma) Prostate disorders, inc. enlarged prostate, benign prostatic hypertrophy,elevated PSA Psoriasis moderate or severe Psoriatic Arthritis Psychotic Disorder Pulmonary hypertension Raynaud's Disease Rheumatoid Arthritis Schizophrenia Sexually Transmitted Disease inc. chlamydia, genital warts, gonorrhea, syphilis, Human Papilloma Virus Sickle Cell Sleep apnea Spinal fusion Stroke(CVA) Suicide Attempt Syringomyelia Tetralogy of Fallot Thalassemia major Tobacco use within last 12 months Transient ischemic attack Valvular heart disease Von willebrand's Wilson's Disease Questions? Need help? Call 866.665.2117, Monday - Friday, 8am - 5pm EST or email us at [email protected]. We have trained representatives who will be happy to assist you in learning more about Inclusive Health and and making informed decisions about your coverage.