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Finding Health
Insurance After Cancer
Insurance companies across the nation are very cautious when giving insurance
coverage. Many clients with pre-existing conditions are not given health
insurance cover.
Cancer is one of the conditions that few insurance companies will accept.
People who had cancer have a hard time getting affordable health insurance
cover, even though they were treated and recovered. This is because most
insurance companies do not want to pay for the doctor's visits and the
possibility of further chemotherapy treatment.
Applicants who had cancer may be considered as a liability to the company.
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There are health insurance companies that offer health insurance after cancer
but their insurance rates are naturally higher than it would be for those people
that haven't experienced cancer. Although insurance companies are not allowed to
deny anyone medical insurance, it is possible for them to leave out some
pre-existing conditions from the cover, or exclude a few conditions for a
specific time period.
As the coverage options and laws can differ from state to state in the United
States, it is best advised that you check on the laws first and then seek out
insurance companies. The waiting period varies per company and type of cancer
experienced.
Wait times for most cancers are typically 10 years. Breast and prostate cancer
often have a minimum wait of 5 years. Skin cancers can be 1 year, and Basal
normally has a minimum of 6 months.
The best option is to select the company that provides you coverage with the
smallest waiting period for pre-existing conditions.
Advice On Finding Health Insurance After Cancer
Most people in the US have health insurance through their job.
If you have insurance and get struck by cancer you should be covered for medical
care and treatment.
However the health insurance problems lie after people lose their jobs.
If its within your power don't leave your employment until you can find new
employment that will offer you health insurance after cancer.
Don't let you policy expire.
The unemployed may want to seek out employment offering health insurance.
New plans arise all the time so be sure to shop around as many insurance
companies as possible.
For those who are over the age of 65, coverage may be possible through
Medicare, a
federal insurance program. |
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