Insurance

adventurebob
adventurebob Member Posts: 691
edited March 2014 in Head and Neck Cancer #1
Hey Guys,

Anyone know of a "good" insurance company that will actually offer insurance to someone going through cancer treatment. I have insurance now through Cobra since I was laid off last year but it is coming to an end and I need to have something in place to pay for my clean PET scans for the next few years. As I am disabled, I am eligible for Medicare but would prefer not to as it limits the dr's I can see and would require me switching treatment centers and oncologists. Any information would be helpful. Thanks,

Bob

Comments

  • SASH
    SASH Member Posts: 421 Member
    #2
    Insurance
    I switched from one insurance company to blue cross blue shield after diagnosis before treatment started. Each state has different rules regarding "pre existing conditions" so check with an insurance agent to find out if you can be covered.
  • alwaysforhim
    alwaysforhim Member Posts: 14
    #3
    Insurance
    Good Morning;
    If you have been with your health insurance more than 18 months, no pre-exisitng conditions can apply. This is a new law that took effect last year. They cannot penalize you for any conditions. Ask your existing insurance for a HIPPA form. This is a certificate verifing you have had insurance for at least 18 months. Although they are a competitor, I would suggest United.
    Good Luck to you!
  • timreichhart
    timreichhart Member Posts: 194
    #4
    alwaysforhim said:

    Insurance
    Good Morning;
    If you have been with your health insurance more than 18 months, no pre-exisitng conditions can apply. This is a new law that took effect last year. They cannot penalize you for any conditions. Ask your existing insurance for a HIPPA form. This is a certificate verifing you have had insurance for at least 18 months. Although they are a competitor, I would suggest United.
    Good Luck to you!

    Insurance
    I would stay way from UMR/UnitedHealthcare Services, Inc because now me and my wife are having problems with them because they would only pay some bills in full or half pay after we already met are 4k for the year and as of today I am still fighting with them about having them paying the bills in full. By way I am on my wifes insurance that she gets from work.
  • adventurebob
    adventurebob Member Posts: 691
    #5
    alwaysforhim said:

    Insurance
    Good Morning;
    If you have been with your health insurance more than 18 months, no pre-exisitng conditions can apply. This is a new law that took effect last year. They cannot penalize you for any conditions. Ask your existing insurance for a HIPPA form. This is a certificate verifing you have had insurance for at least 18 months. Although they are a competitor, I would suggest United.
    Good Luck to you!

    Nice to know
    Thanks Always. I wasn't aware of that. I have been with this company for almost 3 years now and have had uninterrupted coverage for about 8 years total. I appreciate your help.

    Bob
  • forme
    forme Member Posts: 1,161 Member
    #6
    Check this post
    Hi Bob,
    I saw your post and remembered reading about insurance coverage. Check out the discussion board under Emotional support. Then scroll down till you see the post heading, "You can't be denied health coverage" It is posted by " Heart of Soul". It is full of info that may help you with insurance coverage issues. Best to you...
    Lisha

    PS It's on the first page, as of today..
  • adventurebob
    adventurebob Member Posts: 691
    #7
    forme said:

    Check this post
    Hi Bob,
    I saw your post and remembered reading about insurance coverage. Check out the discussion board under Emotional support. Then scroll down till you see the post heading, "You can't be denied health coverage" It is posted by " Heart of Soul". It is full of info that may help you with insurance coverage issues. Best to you...
    Lisha

    PS It's on the first page, as of today..

    Thanks Lisha
    I checked it out. Very useful information. Lots of relief after reading it. You rock!

    Bob
  • forme
    forme Member Posts: 1,161 Member
    #8
    adventurebob said:

    Thanks Lisha
    I checked it out. Very useful information. Lots of relief after reading it. You rock!

    Bob

    Share the wealth
    Hi Bob and fellow californian,
    Sometimes I read a few different areas of discussion. We all should do that , I think. You never know where your next helpful bit might come from.
    Peaceful healing...
    Lisha

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