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This is a question that you're going to have to ask Blue Cross or maybe an agent directly. Their underwriting manual is CONFIDENTIAL. Even if you ask an agent - Agents as I understand it do NOT have authority to deny insurnace. Denial can only be done by the company AFTER you've submitted an application. If you are denied, you might check coverage thru the State Guaranteed Plan. Also Blue Cross is different in every State. === === == Check with BlueCross BlueShield of your state to be sure. With BlueCross BlueShield of Florida, Hepatitis C is an "automatic decline" meaning the application should not be taken by the agent. Agents cannot deny insurance, but there are specific conditions upon which the agent should not take the application.

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