Cancer Health Insurance For Survivor: For Health And Recovery
Health care access is very important for cancer survivors. Yet, many people cannot afford to pay for important health care services that are needed for their health and recovery, like visits to health care professionals and certain medical procedures. Fortunately, a variety of health care assistance programs are available to help those who have a financial need.
Major pre-existing conditions like cancer makes an applicant uninsurable. Insurance companies are usually not keen on providing health insurance after cancer to applying clients due to the potential costs and risks involved. Health Insurance Portability and Accountability Act (HIPAA) determined that health insurance carriers may or may not cover pre-existing conditions like cancer for individual plans. However, group plans offered through the employer coverage is mandatory.
Millions of Americans face similar dilemmas after surviving the bout of cancer. In their urge for obtaining health insurance after cancer, many run into unscrupulous merchants who deceive them with phony health insurance after cancer plans. These bad health insurance after cancer plans promise guaranteed acceptance for cancer patients.
These after cancer plans allege that they offer coverage for cancer patients towards doctor's visit, prescription drugs and other health care measures. In reality however, these health insurance after cancer plans provide no benefit and clients opting for these health insurance after cancer plans are forced to pay the entire medical expenses from their own pocket.
Due to the escalating health care costs, every American needs dependable health insurance. Cancer survivors really need a dependable health insurance because cancer survivors require continuous health care. Any lapse in health care may result in major problems. A cancer survivor is required to have regular check ups and expensive prescription drugs in order to keep healthy.
Cancer survivors need prescription coverage in the fight against cancer. Yet, many people cannot afford prescription coverage and some go without prescribed medications and medical equipment. There are a variety of assistance programs are available to help people obtain free or reduced price prescriptions if they are not insured, or are underinsured, and cannot afford to pay.
A wide range of support services are available to help survivors who have specific needs, both during and after cancer fighting treatment. Support services may include help with air and ground transportation for medical care, emotional support, help with the process of returning to work or financial assistance for child care and other needs.
If an existing health insurance policy lapses, cancer survivors can face big hurdles. Under existing Federal and State group insurance laws, a person cannot be denied health insurance by an insurer of group health, which is health insurance purchased through the employer.
Under the Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA, employees can remain in the group coverage for a period of 18 to 36 months after one's employment is terminated. The COBRA is a law passed that, among other things, mandates an insurance program giving some employees the ability to continue health insurance coverage after leaving employment. However, this type of health insurance coverage is expensive and affordability becomes a major problem for a cancer survivor.
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