CSN Login
Members Online: 9

Preexisting condition?

vermontgirl's picture
vermontgirl
Posts: 66
Joined: Nov 2012

Hi All,

 

My husband is contemplating a new job offer.  He is 7 months out of treatment and so far, cancer free.  He has really good life insurance that we got through his current employer before his tonsil cancer diagnosis. If we switch companies, he will have to get new life insurance I assume.  So...here's my question....does this cancer diagnosis count as preexisting condition and make it harder to get?  what about new health care coverage..preexisting there too?

Thanks,

Kirsten

jim and i's picture
jim and i
Posts: 1622
Joined: May 2011

Through the employer the health insurance is automatic, no pre existing condition questions. As for life insurance I am not sure.

Debbie

Laralyn's picture
Laralyn
Posts: 447
Joined: Apr 2012

As long as you don't have a lapse longer than 63 days, I don't think you can be denied for a pre-existing condition. It's worth asking the new employer for details on the insurance, though. I was surprised to find out my new insurance changed my out of pocket cost on a PET scan from $300 (at my old company) to over $1500 (at the new company)!

ratface's picture
ratface
Posts: 1248
Joined: Aug 2009

It isn't really an issue anymore. He will be fine under a new employer policy. At the end of this year private insurance will be fine also.  We will benefit from this provision.

ratface's picture
ratface
Posts: 1248
Joined: Aug 2009

It isn't really an issue anymore. He will be fine under a new employer policy. At the end of this year private insurance will be fine also.  We will benefit from this provision.

phrannie51's picture
phrannie51
Posts: 3725
Joined: Mar 2012

the life insurance was simply ended at one place and the "going" life insurance with the new company just kicked in....there were no questions asked about my current or past health.  Medical insurance policies, as long as there is no or little break between, have no pre-existing clauses in them....that's been in effect for years.....and with some of the new stuff coming in with Obamacare, may not even count at all anymore.

 p 

vermontgirl's picture
vermontgirl
Posts: 66
Joined: Nov 2012

You have answered my questions as usual.  Thanks

Subscribe with RSS
About Cancer Society

The content on this site is for informational purposes only. It is not a substitute for professional medical advice. Do not use this information to diagnose or treat a health problem or disease without consulting with a qualified healthcare provider. Please consult your healthcare provider with any questions or concerns you may have regarding your condition. Use of this online service is subject to the disclaimer and the terms and conditions.

Copyright 2000-2014 © Cancer Survivors Network