What is the best course of behaviour for someone near pre-existing cancer looking for form insurance?
A friend of mine has cancer and may not be able to verbs working due to the effects of chemotherapy. If she cannot continue to work she will lose her health insurance. Would near be any options for her once COBRA expires?
Answers:
Move for a system like the NHS in Britian contained by such a system we all get treated even if we own no job,also most important this... we do not entail to inform our employers if we have an existing ailment because it doesn't really matter to them as insurance does not enter the equasion so they don't need to verbs over a persons health excluding if they will have too many days of sick.
To verbs insurance calls the shots in the US but its the doctor over here and thats how it aught to be.
The option depend on where you live, as the laws oscillate substantially in different nations and surrounded by different states within the US. In the US, generally, insurers cannot deny someone medical insurance, but they may exclude pre-existing conditions entirely or for some specific possession - like the first 6 months to 2 years of coverage. You have to check the law where you live and look at a variety of policies to find one that have the least amount of waiting time for coverage of pre-existing conditions. There are also "high-risk" insurance policies that provide coverage of existing conditions, but the rates are much higher than typical insurance.
The safest bet is to see if your friend can extend the coverage lower than the existing COBRA policy, and then begin costs on an additional policy so the waiting time for pre-existing conditions will be used up by the time the COBRA policy expires, or use the time to search for a defensible policy that does not exclude a pre-existing condition.
Some states in the US offer insurance policies for society that cannot find private insurance.
Yes. COBRA will help her while she is undergo treatment and than once treatment is complete and she picks up new insurance or gets a tentative job the insurance must treat her as if she did not have a 'pre-existing condition'. She can find out more from the American Cancer Society and or a medical social worker who can give a hand her file papers and make the right decision in regards to insurance and financial situations.
ACS:
Health Insurance and Financial Assistance for the Cancer Patient
http://www.cancer.org/docroot/MLT/conten…
the only other options would be to be on her spouse's insurance (if it is a group plan she CAN NOT be denied) or hope that she meet the income guide-lines for medicaid. the Cancer center where she is getting treatment should be able to find comfort for her, if not call the American Cancer Society.....choice her luck!
I know of a very reputable company that will offer her discounts on her doctor visit. They will approve anyone with pre-exisiting conditions and there is no waiting time of year so she can use it right away. It is not health insurance, but yet affordable coverage for her and anyone contained by her household related or not. This company has help alot of people that cannot qualify for coverage or simply just can't afford the high-ranking premiums. If you would like more info contact me anytime at nabass16(a)yahoo.com. Hope this helped. Source(s): I enjoy been researching this company for a while now. The signature of the company is Ameriplan. I have recently coupled and the testimonials are truly amazing!
Related Questions:
Answers:
Move for a system like the NHS in Britian contained by such a system we all get treated even if we own no job,also most important this... we do not entail to inform our employers if we have an existing ailment because it doesn't really matter to them as insurance does not enter the equasion so they don't need to verbs over a persons health excluding if they will have too many days of sick.
To verbs insurance calls the shots in the US but its the doctor over here and thats how it aught to be.
The option depend on where you live, as the laws oscillate substantially in different nations and surrounded by different states within the US. In the US, generally, insurers cannot deny someone medical insurance, but they may exclude pre-existing conditions entirely or for some specific possession - like the first 6 months to 2 years of coverage. You have to check the law where you live and look at a variety of policies to find one that have the least amount of waiting time for coverage of pre-existing conditions. There are also "high-risk" insurance policies that provide coverage of existing conditions, but the rates are much higher than typical insurance.
The safest bet is to see if your friend can extend the coverage lower than the existing COBRA policy, and then begin costs on an additional policy so the waiting time for pre-existing conditions will be used up by the time the COBRA policy expires, or use the time to search for a defensible policy that does not exclude a pre-existing condition.
Some states in the US offer insurance policies for society that cannot find private insurance.
Yes. COBRA will help her while she is undergo treatment and than once treatment is complete and she picks up new insurance or gets a tentative job the insurance must treat her as if she did not have a 'pre-existing condition'. She can find out more from the American Cancer Society and or a medical social worker who can give a hand her file papers and make the right decision in regards to insurance and financial situations.
ACS:
Health Insurance and Financial Assistance for the Cancer Patient
http://www.cancer.org/docroot/MLT/conten…
the only other options would be to be on her spouse's insurance (if it is a group plan she CAN NOT be denied) or hope that she meet the income guide-lines for medicaid. the Cancer center where she is getting treatment should be able to find comfort for her, if not call the American Cancer Society.....choice her luck!
I know of a very reputable company that will offer her discounts on her doctor visit. They will approve anyone with pre-exisiting conditions and there is no waiting time of year so she can use it right away. It is not health insurance, but yet affordable coverage for her and anyone contained by her household related or not. This company has help alot of people that cannot qualify for coverage or simply just can't afford the high-ranking premiums. If you would like more info contact me anytime at nabass16(a)yahoo.com. Hope this helped. Source(s): I enjoy been researching this company for a while now. The signature of the company is Ameriplan. I have recently coupled and the testimonials are truly amazing!
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