3 ms·
You can really buy insurance after being diagnosed with cancer? That’s the polar opposite of anecdotes I have heard, and my understanding of how most insurance
by justinhj 3y ago
You can really buy insurance after being diagnosed with cancer? That’s the polar opposite of anecdotes I have heard, and my understanding of how most insurance works.
- ceejayoz 3y agoYou can, via the ACA exchanges (ACA compliant plans can't deny coverage for pre-existing conditions), but only at the end of each year. You wouldn't want to get a diagnosis in Feb. Once it gets bad enough you may get Medicare/Medicaid for disability/income reasons, but that's... a suboptimal approach.
- mminer237 3y agoSince the ACA you can. As long as it's a Marketplace plan, they can't deny you or charge you more for preexisting conditions, and I've never met someone with a private plan nowadays. The catch is that you can only change plans for the next calendar year unless you move or lose your job or something.
- joshstrange 3y agoI can tell you from personal experience that you cannot, unless you want to wait till the next year (and sign up during open enrollment). But it's not like cancer moves fast or anything right? You can just wait, nothing bad will happen... /s I'm a bit salty, I lost my dad to cancer last year and he was on a bullshit co-op plan that delayed treatment and made the whole experience even worse than it already was. Would insurance have saved his life? I can't answer that but the delays (before he got real insurance) couldn't have helped.
- justinhj 3y agoSorry for your loss. Where insurance meets critical health care is an ugly boundary