Please explain to me what stage 3A chronic renal insufficiency is? The only diagnosis ever received from my primary care dr. is a lab result showing my filtration rate not in a normal range. The only recommendation to me from ny dr. has been to stay hydrated. The reason I am asking this question is I had recently applied for long term health care insurance, but have been turned down because of this showing up in my medical records. I have not been concerned until now as my dr. has never recommended any sort of treatment, and I seem to be healthy otherwise. If possible, please advise me. Thank you