my boyfriend's father was forced into early retirement because of the cancer he has. he signed up with Cobra, as he was no longer eligible of the coverage he had through his job, stating that Cobra was the only company to accept pre-existing conditions at a rate of $800/month. he is now faced with a life or death situation, needing a rare radiation treatment costing $50,000 per tumor and there are 3 in his abdomen. of course, there is no guarantee of this procedure's success, but his Dr.'s are optimistic. Insurance will not cover any of this! if there are no other options in the way of insurance coverage, there could possibly be a significant payment left for them (or his wife) that is certainly NOT feasible.
Please advise.
2007-12-16 07:18:26 · 4 answers · asked by Anonymous in Business & Finance ➔ Insurance
OK, his best chance would be to have his wife add him to her policy. If she currently is not working or does not have a health plan with her current employer she NEEDS to get a new job with insurance so that she can add her husband. Group insurance plans (employer sponsored) cannot deny coverage due to a pre-existing condition.
Second, some employers (more and more recently) are allowing employees to add not just child dependents but a parent if you are the caretaker. Have your boyfriend go to HR at his place of work and ask if they allow this, and what kind of documentation would be required.
There is still hope!
Good luck and God Bless You!
2007-12-16 13:19:19 · answer #1 · answered by Sue 3 · 1⤊ 0⤋
If his COBRA insurance coverage has expired, he's not going to find another insurer which will accept a pending expense of that size. Insurers will not accept such a risk, knowing full well that they will immediately have a huge payout in comparison to premiums charged.
2007-12-16 07:54:36 · answer #2 · answered by acermill 7 · 0⤊ 0⤋
Yes. Welfare insurance - medicare and medicaid. Or, if your state has a high risk health insurance pool, they MIGHT accept it. But NONE Of them are going to pay for a non-standard or experimental treatment - which is what it sounds like he is asking for.
But a private policy isn't going to take someone with active cancer, period.
He's either going to pay out of pocket, or probably die. That's the choice. Personally, I'd sell the house, and mortgage the kids to pay for that treatment.
2007-12-16 08:53:48 · answer #3 · answered by Anonymous 7 · 1⤊ 2⤋
Bankrupt Life insurance co. p. ltd
2007-12-16 23:23:56 · answer #4 · answered by Harry 1 · 0⤊ 0⤋