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We specialize in obtaining affordable cancer insurance coverage for cancer patients and cancer survivors.

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Health Insurance After Cancer

Trying to find health insurance after cancer can become an overwhelming task. Not only did you have to successfully battle cancer and survive in the first place, now you must do battle with the health insurance companies to try to find yourself some health insurance coverage.

Well, the good news is, it is possible to find health insurance after cancer. The bad news is depending on the type of cancer you had, the length of time you have been cancer free and extent of your recovery will be the determining factors in whether or not a health insurance company will offer you a health insurance policy, and at what cost will that health insurance coverage be.

There are some states that have a guaranteed issue health insurance program, and other states don’t even regulate whether the health insurance companies must issue you a health insurance policy or not. Then there are some states that are in-between, meaning they mandate that the health insurance providers licensed to do business in that state must cover all legal residences, however, there can be restrictions on when that coverage must begin. Some states may have a six month waiting period on pre-existing conditions, with cancer being one of those pre-existing conditions, and other states may have a one year waiting period before pre-existing conditions must be covered.

Having survived cancer alone should be punishment enough for most any person to have to endure, it’s a shame you must now do battle with the health industry to find health insurance after cancer. There are some other ways for you to obtain health insurance after cancer. One of those ways would be to get a job at a company the offer their employees group health insurance. Those carriers are not allow to pick and choose who they insure, if you work for the company offering you the health insurance coverage, the health insurance companies must also offer you coverage.

You see, finding health insurance after cancer can be done. Here is a short list of some of the leading factors the health insurance companies will rely upon in deciding whether or not to offer you health insurance coverage. This is of course assuming you live in a non-guaranteed issue state.

Type of cancer you had

Type and length of treatments

Percentage of recovery from your cancer

Length of time you have been cancer free

Whether or not any lymph nodes were involved

That is just a beginning list of questions, there will be others, and these are just the questions that deal with your cancer treatments in general. You will still have to meet the regular underwriting guidelines as well.

We’re not going to say finding you health insurance after cancer will be an easy task, you may feel like you’re being subjected to jumping through several hoops before you get you health insurance policy issued, and probably will even face a few rejections before you locate coverage, but health insurance after cancer can be done. Just be prepared for the journey, however, being a cancer survivor, you already know what that’s all about.

All of the advertisers on our web site have experience in finding health insurance after cancer coverage. They should be able to not only find you health insurance, but have the ability to locate life insurance for you as well. Remember not every health, or life insurer will accept all risks.