>>Allen, are you "uninsurable" per se, or is there a waiting period for coverage of pre-existing conditions?<<
Ilaine -
It was explained to me that if I were to have no recurrence of cancer within a certain period, which varies by carrier, I would once again become eligible to purchase insurance. But as it stands, yes, they consider me uninsurable, per se.
Unless I get coverage under some kind of open enrollment plan, by getting a job with a company that offers health benefits, I wouldn't be able to get any kind of coverage. But I have to do that before my current CalCOBRA eligibility ends. If there is any gap in coverage, I won't even be able to get in on open enrollment.
And of course, I don't qualify for Medicaid (yet) because I still have some income and some assets.
Unfortunately, my period of uninsurability just got longer, because the PET scan I had today for my one year checkup revealed a small tumor on my liver. I'm going to have to go back to Cedars for another surgery, followed by another course of chemo.
The insurance company really isn't going to be eager to retain my business after this.
I may be forced to marry my Canadian girlfriend. (Not that I'd mind that.)
- Allen |
