Which of the following is a condition that leads to a denial of insurance coverage?

End Stage Renal Disease (ESRD) is a specific medical condition that significantly impacts an individual's health and requires ongoing, often costly treatment, typically in the form of dialysis or a kidney transplant. Because of the nature of this condition, insurance companies often have specific guidelines regarding coverage. For Medicare and certain Medicare Supplement Insurance plans, individuals with ESRD might face limitations or eligibility issues, especially if they are not yet enrolled in Medicare.

This can create scenarios where coverage is denied or limited since the treatment for ESRD is complex and can incur significant expenses. On the other hand, being a current user of tobacco products, having recently completed preventive screenings, or undergoing minor surgeries without complications do not, in themselves, typically lead to outright denial of insurance coverage. Instead, these factors might be considered when determining risk or setting premiums but usually do not disqualify someone from receiving coverage altogether.