Sometimes. People with mild COPD who do not smoke may get regular coverage at standard rates. Oxygen use or current smoking often points to guaranteed or simplified issue instead.
The CDC says about 3.8% of US adults had diagnosed COPD in 2023. Insurers look closely at it because it affects your lungs over time.
Insurers ask about chest scans, breathing tests and home oxygen. Using oxygen has a big effect on price. Moderate symptoms with daily inhalers may mean the most expensive rate classes. Policygenius also says it is hard to get approved for a serious lung condition if you smoke now.
Mild COPD can often get regular coverage. Moderate COPD often lands in Standard or higher priced classes. For severe COPD, oxygen use or current smoking, Policygenius says guaranteed or simplified issue may be the way to go. It says final expense plans usually range from $25,000 to $40,000.
What insurers look at
- How bad your symptoms are (mild, moderate or severe)
- Whether you use oxygen at home
- Your breathing test results, like FEV1/FVC
- Recent chest X-rays or CT scans
- Your daily medicines, like albuterol
- Whether you smoke now
Coverage that may fit
Can work for mild COPD. Policygenius says Corebridge offers up to Standard rates for mild cases, but only if you have never used oxygen.
No exam, but you answer health questions. Coverage often reaches about $50,000, and you can still be turned down for serious conditions. Policygenius lists it as an option for serious lung conditions.
For people who cannot pass health questions. There is no exam and no health questions, coverage tops out around $25,000, and the price is high. Mutual of Omaha sells it to people 45 and older, per Policygenius. Most have a waiting period, often 2 years, before the full amount pays for a natural death (Policygenius, graded death benefit). Policygenius points people who smoke now or use oxygen to this option.
Common questions
Can I get coverage if I use oxygen?
Regular coverage is hard. Oxygen use has a big effect, and guaranteed issue is a common option.
Does smoking change things?
Yes. It is hard to get approved for a serious lung condition if you smoke now.
What tests will they ask about?
Chest X-rays or CT scans, breathing tests and your FEV1/FVC result.
Sources
General information, not medical advice. Insurer rules change. An agent can tell you which companies treat your condition best.
