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I write policies for BlueCross Blueshield of Florida and Multiple Sclerosis is one of the medical conditions that will render you ineligible for coverage. Check with specific companies in your state to be sure. Be up front with the agent to save yourself the time of going through the application process. Also, do a search on "Guaranteed Issue" plans in your area. You should be able to get some form of coverage. If you already have the insurance policy and are diagnosed with MS after the underwriting process, check with your agent to help you read the fine print of the policy as far as any exclusions that may be built into the policy. As long as you're diagnosed with the condition after the underwriting process is complete, you should be covered. If you are diagnosed with the condition during the underwritng process, you can be denied coverage.

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Q: Can a medical insurance deny coverage because you have ms?
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