Insurance after cancer
originally posted: 11/22/2006 reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email asktony@tonynovak.com.
Q: I was interested in health insurance for my husband. He needs insurance to cover his pre-existing condition. He had a very rare cancer a couple of years ago and he is now in remission. He goes to the doctor once a year now for checkups. So I want to see if this insurance will cover pre-existing conditions?
A: First of all, you should realize that the type of individual insurance he needs that will cover the cancer is not found on the Internet, so do not be lured into surfing the Net in hopes of finding a magic answer. This tends to lead to being drawn into health plan scams or otherwise misleading health plans. Learn your options by reading the article "Finding Health Insurance for Pre-existing Medical Conditions" at http://FreedomBenefits.net/health-insurance-articles/Finding-health-insurance-to-cover-pre-existing-medical-conditionns.htm and become very familiar with the provisions of the HIPAA assigned risk pool in your state. Usually the best possible solution for married cancer patients is usually to find a way to be covered on a working spouse's health plan. It is not uncommon for a spouse to change jobs simply to get spousal insurance. The Basic Health Insurance at www.Basichealthinsurance.net you asked about is available, but this is a supplemental insurance rather than a primary coverage. You will need to go offline and get him enrolled in the plan designated for this purpose by your state.
Summary
More resources:
article: "Finding Health Insurance to Cover Pre-existing Medical Conditions"
FreedomBenefits.net