Prescription History / Opioid Pain Medication
Opioid Pain Medication and final expense insurance
e.g., Oxycodone, Hydrocodone, Tramadol
The most scrutinized medication category, since carriers are specifically checking for signs of dependency.
Occasional or short-term use tied to a specific event — a past surgery, for example — is treated very differently from an ongoing, long-term prescription. Carriers are mainly trying to rule out substance dependency and the more serious chronic pain conditions opioids are sometimes prescribed for. A long-standing, stable prescription for a known condition fares better than a recent or open-ended one.
Keep in mind
Carriers set their own rules for how they view any given prescription, so the same medication can be treated differently from one company to the next. Always answer health and medication questions accurately — the carrier checks your prescription history regardless, and a mismatch can affect your family's claim later.