Hello,
I was wondering if you guys could help with a health insurance question.
In early 2011 I had a mole removed from my chest that turned out to be malignant melanoma. Clark’s level II, and Breslow thickness of 0.25mm. Follow up surgery was a success and the doctor said they got it all. I have not had any reoccurrences since then.
Hello,
I was wondering if you guys could help with a health insurance question.
In early 2011 I had a mole removed from my chest that turned out to be malignant melanoma. Clark’s level II, and Breslow thickness of 0.25mm. Follow up surgery was a success and the doctor said they got it all. I have not had any reoccurrences since then.
Fast forward to 2013, and unfortunately I have no health insurance, but now have a job with enough money coming in so I might be able to afford it. If possible, I would like to purchase it and was looking for guidance on how to proceed as I have been given a lot of conflicting advice.
If I want insurance now, I have been told by various folks that there are a couple of insurance companies who would be willing to insure me, but most will not. Thus I should work with a broker to make sure I only apply to the ones who are willing to insure me, as having a denial/rejection for insurance makes it a lot harder to get coverage going forward. (An insurance broker probably told me this!) Any thoughts as to the validity of this? If it is true, which insurance companies are most likely to insure me? Would future coverage for melanoma excluded (ie they won’t cover any melanoma costs, but will cover other things)?
Alternatively I could wait to 2014. My understanding is that the ACA says they can’t deny me nor charge me rates any different than their other customers. Is that true? If so, could I go to a website like ehealthinsurance, or via a broker, and just apply to the plan I like best? Is future coverage for melanoma excluded (ie they wont cover any melanoma costs, but will cover other things)?
I understand that the actual execution of the ACA will probably change over the next 7 months, but just trying to figure out things as they stand now.
I am in Texas if it matters.
Any help, thoughts, or guidance is appreciated!
B
.
