Hepatitis C

Hepatitis C is a liver disease caused by the Hepatitis C virus (HCV)

Likely Underwriting Decision

Best Case: Age 70 or older with normal liver function tests for the last 3 years: Standard. If favorable biopsy: Standard Plus or Preferred possible

Typical Case: Current age 40-69, chronic infection, biopsy unavailable, untreated, age onset unknown and liver function tests not higher than 1.5 times normal range: 175 to 250% depending on age

Worst Case: Decline if more than one alcohol drink per day, HBV co-infection, any finding of cirrhosis, currently undergoing treatment, or biopsy done in the last 5 years showing severe fibrosis, treated or untreated

Factors Affecting the Decision

  • Duration of the disease
  • Laboratory results
  • Has a biopsy been done
  • Does the client use alcohol and if so, amount per day
  • Treatment and date(s) of treatment

Fast Track the App

Requirements:
APS

Fast Track:

  • Laboratory results (including LFTs and hepatitis panel)
  • Biopsy results
  • Sonogram and/or CT scan results