Cancer Health Insurance Tests and Eligibility

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Before applying for insurance, people often want to know if there is a cancer health insurance test to find out their cancer health insurance eligibility.


The simple answer is that tests and insurance eligibility for cancer vary by insurer and policy. They are also affected by state laws. Therefore, it is important to do research into the specific kind of policy you are applying for in your state.

To make this easier for you, we have provided a summary of how tests and eligibility vary for some of the main types of insurance, a list of possible factors that may be asked about which could affect your eligibility and some tips for answering test for cancer.


Still, the best course of action is to speak to a licensed insurance agent because they understand the specific tests you need for each policy and how this affects you eligibility.


Eligibility and tests depend on the specific type of insurance being applied for

  • Insurance policies from your employer do not require you complete a test for cancer insurance .
  • Individual policies do often have insurance test.
  • Medicare requires you to be over 65.
  • Medicaid requires you to be on a low income.
  • Guaranteed issue policies have no cancer insurance eligibility requirements.

Possible factors affecting eligibility

The questions asked in a cancer insurance test are geared at assessing your risk to the insurer and your ability to pay the premiums, co-payments and deductibles. Questions can asked be on:

  • Income
  • Employment status – for example whether you are self-employed
  • Preexisting conditions
  • The type of cancer you have
  • Doctor’s verification
  • Past medical records
  • Current medical records
  • Family’s health
  • Results of genetic tests
  • If you have ever had surgery
  • If you have ever been hospitalized
  • If you are taking any medications


Remember what will be asked varies by insurer, policy and state. In some states there is legislation in place which protects insurers asking you specific questions. Do your research before you apply.

Tips to remember

  • Always answer tests honestly because insurers will go back through your file when you make a claim looking for any possible excuses not to pay you.
  • Don’t give more information than you have to as this can work against you. Wait for them to ask you questions before providing answers.
  • Be careful when answering general questions, think about exactly what the question is asking before giving overly specific answers. For example if the insurer asks you if you have any other conditions you only need to tell them about things that a doctor has written in your medical records, not things that nurses have suggested or that you have diagnosed yourself.


The best thing to do is to talk to a licensed insurance agent who can guide you through the specific eligibility requirements and tests for each policy and provider.

A licensed insurance agent wants to get you covered because that is how they get paid. This means you can be honest with them and they will do the best they can to help you pass the test. You can fill out our form (at the top of the page) to be connected with an agent.


If you are very worried about passing the test or your eligibility, ask an agent about guaranteed issue health insurance. It will not disqualify you based on pre-existing conditions or most other factors.

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