Can you get long-term care insurance with high blood pressure?

High blood pressure (hypertension) is one of the most common conditions long-term care underwriters see, and on its own it is rarely a barrier to coverage. If your readings are controlled on medication, you can often qualify at standard rates.

What underwriters look at

• Control. Steady, in-range readings on a stable medication regimen are viewed favorably. Uncontrolled or wildly fluctuating readings are the concern.
• Organ damage. Hypertension that has affected the heart, kidneys, or eyes is underwritten more strictly than blood pressure alone.
• Combinations. High blood pressure alongside diabetes, excess weight, or heart disease draws more scrutiny than any one item by itself.

The bottom line

Controlled hypertension by itself usually will not stop you from getting a policy. If your blood pressure is not yet well managed, it is often worth getting it under control with your doctor before you apply.

General information only. Underwriting varies by carrier and changes often, and we do not publish carrier-specific approval thresholds. Nothing here is a guarantee of coverage or a quote — only a licensed carrier reviewing your medical history can tell you what you qualify for. This is educational and not insurance, legal, tax, or financial advice.