If you have been diagnosed with cancer, you may be wondering if you can still obtain health insurance. The answer is yes; there are plenty of options available to cancer survivors in Americus, GA. Client First Insurance Solutions explores the different ways that you can obtain health insurance coverage if you have had cancer.
Obtaining Health Insurance After a Cancer Diagnosis
The most important thing to consider when looking for health insurance after a cancer diagnosis is pre-existing condition clauses. With the passage of the Affordable Care Act (ACA), pre-existing conditions no longer prevent individuals from obtaining health insurance coverage through a private insurer. This means that individuals with a history of cancer can purchase private health insurance just like anyone else.
The other option available to cancer survivors is Medicaid or Medicare. Both programs provide free or low-cost healthcare coverage to qualifying individuals who meet certain income requirements and/or have disabilities related to their illnesses.
Individuals who do not qualify for Medicaid or Medicare may be able to receive financial assistance through programs such as COBRA or HIPAA, which provide temporary coverage at reduced rates while an individual is transitioning from one job to another or between healthcare plans.
Finally, some employers offer employee benefits packages that include access to group health insurance plans that cover pre-existing conditions. These plans may also provide additional benefits such as prescription drug coverage and annual physicals for employees and their families.
Give Us A Call
It is possible for individuals with a history of cancer to obtain health insurance in Americus, GA. Those looking for coverage should consider all their options before making a decision. Contact Client First Insurance Solutions and we can help you find the coverage you need.