Paul Fisher Insurance Services LLC

If you have a history of cancer you’ll find it hard to be enrolled in any kind of medical care policy. However this is also a difficult time for them to look for a decent job. Employers are of course wary about hiring applicants with cancer because this will drive up their medical expense.

Low-cost health insurance can also be a hassle. The cancer survivor is usually hit with very high premiums, the obvious exclusion because of a pre-existing condition, and the uncertainty that the health insurance provider really does not want to insure the individual.

The unfortunate catch-22 situation that a cancer survivor is placed makes them wonder what the point is of having health insurance of any kind. Often they are categorized under the high risk pool. This is the reason why their premiums are high. You will need to pay a medical policy even though you won’t have coverage for eighteen months because you used to have cancer.

Most plans specialize in managed preventive care instead of catastrophic benefits that a lot of people will need some time in their lives. This puts the survivors in high-risk pools that will give them a problem of paying the costly premiums.

Most patients will try their best to pay their premiums but it will come to a point when they can no longer pay. This leads them to hold on to whatever they have so they could keep paying their premiums and keep their policy.

The opportunity to find a different carrier with an offering of a lower cost health insurance policy is very slim. For some individuals, they feel that getting an individual paying policy is less adequate than going through an employer-sponsored insurance.

The new health insurance provider may require and elimination of the rider for the cancer treatment you so desperately needed simply because they can. Sad to say, there are insurance providers who will not give you coverage until five years after. But it defeats the purpose of applying for health insurance. Because of financial challenge, some patients just turn to their state government for health coverage,

via Health Insurance and Survivors of Cancer.