• Health Insurance ..
  • STD
  • Guaranteed issue ..

Health Insurance for Cancer Patients

According to the National Cancer Institute, over 11 million people in the United States have cancer. However, if someone receives a cancer diagnosis before enrolling in or applying for health insurance, the insurance policy may be denied on the basis that the cancer is a “pre-existing condition”. This means that the insurance company can legally deny that person health insurance coverage, something that happens to at least 1 in 10 cancer patients, according to a recent survey, leaving the individual to bear the cost of cancer treatment without the benefit of health insurance.

Do not let this happen to you if you are a cancer patient and need health insurance. We have several health insurance policies available to individuals of all kinds and with all kinds of medical conditions, including cancer patients.

Indemnity Health Insurance Plan

Consider an indemnity insurance plan, which allows you to select your own doctors, including cancer specialists, and preferred hospitals. For many cancer patients, this is a huge bonus since you are not forced to find providers and hospitals that are considered “in network” by the insurance company and can find care specialists with whom you are most comfortable. In addition, you can schedule a visit with specialists without needing a referral from your primary care doctor.
Under an indemnity insurance plan, you pay up-front medical costs and then submit paperwork for reimbursement for some of the fees involved. If you choose an indemnity policy, remember to save all receipts and paperwork to submit later on to the insurance company.
An indemnity health insurance policy is often called a fee-for-service policy or FFS for short.
Furthermore, an indemnity policy requires a deductible and a co-insurance rate, which is the amount of the medical costs that you will have to pay, typically somewhere between 20-25 percent. In addition, if a specific medical treatment or procedure is excessive in cost, the insurance plan will only cover the typical cost for that procedure or treatment and the policyholder must pay the remainder. You can always inquire about the cost of a procedure, treatment or prescription and speak to your doctor’s office about fees before you agree to the treatment so that you can verify the costs with the insurance company before paying.
Once you hit your out-of-pocket maximum fees for the year, the insurance company will pay the remainder of healthcare costs for that year.
Be aware that not all medical treatments fall under an indemnity plan, so please contact one of our specialists today to speak about the specifics of an indemnity insurance policy for individuals with a cancer diagnosis.

Guaranteed Issue Insurance Plan

Another excellent health insurance plan option for cancer patients is a guaranteed issue insurance plan, which promises acceptance into a health insurance plan, regardless of pre-existing health conditions like cancer.
Such a plan will cover the same things as a standard health insurance policy, such as doctor visits, prescriptions, hospital visits and other medical treatment fees. No medical exam is required and no health-related questions asked before membership acceptance into the insurance plan.
While a guaranteed issue health plan may be more expensive than your traditional health insurance policy, it is almost certainly less expensive than paying out-of-pocket for all medical costs associated with cancer. In addition, the cost of the guaranteed issue plan varies according to the insurance policy premium and deductible and can be quite affordable.
Please note that some policies may require a waiting period, typically around six months, before the policy will go into effect to pay for certain pre-existing conditions.
Contact one of our specialists for more information and with any questions that you may have.

Other Types of Insurance Plans

There are other types of insurance policies, such as a HMO or a PPO.

  • HMO Insurance

Typically, HMO insurance policies are less expensive than other plans but require members to select a primary care physician and obtain referrals from that doctor for all other specialists, lab work or other treatment.
The amount and type of care provided by an HMO can be limited, especially for cancer patients and others with medical conditions that require specialized treatment.

  • PPO Insurance

A PPO insurance plan generally offers lower co-pays for members who select care from the insurance network, such as a $15 co-pay for a regular visit to a chosen primary care physician. In addition, members can see specialists without obtaining a referral from their primary care physician.
Deductibles for a PPO plan may be higher than other policies and the co-pay may be different for various visits, such as lower co-pay for a standard doctor visit but higher co-pay for urgent or emergency care or a visit to a specialist. Our guaranteed issue health policies ALL belong to PPO plans. That means you can be accepted to an insurance policy despite your cancer history AND still keep the doctor you trust the most.

  • Government Insurance

The government also offers health care for individuals age 65 or above and for some people who have certain disabilities or end-stage renal disease. The government health care program, called Medicare, only covers certain types of medical care.

In addition, the government has a separate health insurance program for low-income families and individuals, called Medicaid. There is also a children’s health insurance program that is available in certain states.

  • Employer Health Care

Many employers offer health insurance, especially to full-time or salaried employees. This health care insurance varies from company to company, as does the monthly cost, the deductible and the overall cost to the individual employee. Contact your employer for more information about available health care insurance through your company.

What Next?

Now that you have learned about various types of insurance policies available, including those for cancer patients, consider your options carefully. If you were denied insurance coverage from other companies or wish to change insurance policies, especially if the problem stems from a pre-existing cancer diagnosis, call us for more information, especially about indemnity insurance or guaranteed issue insurance plans.
We look forward to assisting you with information about our insurance plans, the right type of insurance for you or your family and answering any questions that you might have. Remember that health insurance can make a dramatic difference when it comes to the cost of managing cancer care.

What if I have never had cancer but want insurance to cover in the event I was diagnosed?

It’s never too late to get insured for cancer or other critical illness. According to the ACS (American Cancer Society), approximately 65% of expenses related to cancer treatment are not covered under regular health insurance. It's important to be insured before you get diagnosed so you can make sure you get the most benefits to cover these very expensive bills.

Cancer insurance policies are designed to pay a lump-sum, cash payment to the client when he is first diagnosed with cancer. Additionally, you may want to get supplemental insurance to cover any gaps in coverage between what your current health insurance will cover and what actual treatment may cost.

What does cancer insurance cover?

  • Mortgage or rent payments due to your inability to work
  • Medical bills including paying deductibles, co-insurance and co-payments
  • Experimental treatments that are generally not covered by your insurance
  • Loss of Income
  • At home nursing while you recover

 

STD

Sexually Transmitted Diseases |Get Health Insurance

Sexually Transmitted Diseases, or STDs, can be life altering & traumatic. Get covered even when traditional insurance companies don’t provide coverage.

Guaranteed issue health plans for STD patients           

Sexually transmitted diseases or STDs are extremely common today, especially amongst those between the ages of 15 and 24. Of course, this does not mean that other age groups are not victims of this ailment. STDs are diseases that are transmitted from one person to the other via sexual relations, which include oral sex, vaginal intercourse, and anal sex. What makes the problem really serious is the fact that a cure for STDs is yet to be found. No wonder that traditional insurance companies don’t provide coverage for such patients. However, with guaranteed issue health plans, such patients can now get coverage for their condition.  

Understanding STDs and symptoms

http://mchb.hrsa.gov/whusa04/pages/ch2.htm
Before going into how such insurance policies help these patients, it is important to understand the different types of STDs that are prevalent today, and the care or treatment they require. HIV/AIDS is the most commonly known sexually transmitted disease today. Chlamydia, Gonorrhea, pubic lice, herpes, hepatitis B, HPV or human papilloma virus, syphilis, trichomoniasis etc are some of the other common sexually transmitted diseases today.
Men and women exhibit different symptoms when they are affected with any one of these sexually transmitted diseases. Where feeling of pain during sexual intercourse, vaginal discharge, incessant bleeding, painful bowels, etc, are common in women, men usually experience pubic lice, unusual discharge, ulcers, burning, itching, etc. Other common symptoms experienced by both the genders include loss of weight, yellowness of skin, nausea, and fever.

Insurance for pre existing conditions

When a person is suffering from any STD, pre existing condition insurance coverage is nonexistent, with most companies refusing to handle such cases. This is largely due to the nature of the disease and the amount of time, money and effort required for maintaining health during that period. Added to this is the fact that these diseases have no cure and are therefore lost causes to most companies

Picture: Smiling couple

However, with guaranteed issue health plans, this is not a problem anymore. No longer do you have to suffer through treatments and financial problems alone. These plans ensure that you are not refused coverage merely for your pre existing condition. However, some companies may have a lock in period (which could be one year or two years) where you are not given any claim amount.
Pre existing condition insurance coverage may be limited in nature. In other words, the amount of coverage you will receive if you are completely healthy may be more comprehensive than if you have a pre existing condition. While this limit is not related to the nature of your claim, it is definitely related to the amount. For instance, some companies may impose a certain limit on the amount they will give out as claim, even where they accept all kinds of claims.
Therefore, knowing more about such insurance companies and their guaranteed health plans is important for those with STDs.

 

Guaranteed issue health plans for STD patients

Guaranteed issue health plans for STD patients

Sexually transmitted diseases or STDs are extremely common today, especially amongst those between the ages of 15 and 24. Of course, this does not mean that other age groups are not victims of this ailment. STDs are diseases that are transmitted from one person to the other via sexual relations, which include oral sex, vaginal intercourse, and anal sex. What makes the problem really serious is the fact that cure a for STDs is yet to be found. No wonder that traditional insurance companies don’t provide coverage for such patients. However, with guaranteed issue health plans, such patients can now get coverage for their condition.  

Understanding STDs and symptoms

Before going into how such insurance policies help these patients, it is important to understand the different types of STDs that are prevalent today, and the care or treatment they require. HIV/AIDS is the most commonly known sexually transmitted disease today. Chlamydia, Gonorrhea, pubic lice, herpes, hepatitis B, HPV or human papilloma virus, syphilis, trichomoniasis etc are some of the other common sexually transmitted diseases today.
Men and women exhibit different symptoms when they are affected with any one of these sexually transmitted diseases. Where feeling of pain during sexual intercourse, vaginal discharge, incessant bleeding, painful bowels, etc, are common in women, men usually experience pubic lice, unusual discharge, ulcers, burning, itching etc. Other common symptoms experienced by both the genders include loss of weight, yellowness of skin, nausea, and fever.

Insurance for pre existing conditions

When a person is suffering from any STD, pre existing condition insurance coverage is nonexistent, with most companies refusing to handle such cases. This is largely due to the nature of the disease and the amount of time, money and effort required for maintaining health during that period. Added to this is the fact that these diseases have no cure and are therefore lost causes to most companies.
However, with guaranteed issue health plans, this is not a problem anymore. No longer do you have to suffer through treatments and financial problems alone. These plans ensure that you are not refused coverage merely for your pre existing condition. However, some companies may have a lock in period (which could be one year or two years) where you are not given any claim amount.
Pre existing condition insurance coverage may be limited in nature. In other words, the amount of coverage you will receive if you are completely healthy may be more comprehensive than if you have a pre existing condition. While this limit is not related to the nature of your claim, it is definitely related to the amount. For instance, some companies may impose a certain limit on the amount they will give out as claim, even where they accept all kinds of claims.
Therefore, knowing more about such insurance companies and their guaranteed health plans is important for those with STDs.

 

Health Insurance for Cancer Patients

According to the National Cancer Institute, over 11 million people in the United States have cancer. However, if someone receives a cancer diagnosis before enrolling in or applying for health insurance, the insurance policy may be denied on the basis that the cancer is a “pre-existing condition”. This means that the insurance company can legally deny that person health insurance coverage, something that happens to at least 1 in 10 cancer patients, according to a recent survey, leaving the individual to bear the cost of cancer treatment without the benefit of health insurance.

Do not let this happen to you if you are a cancer patient and need health insurance. We have several health insurance policies available to individuals of all kinds and with all kinds of medical conditions, including cancer patients.

Indemnity Health Insurance Plan

Consider an indemnity insurance plan, which allows you to select your own doctors, including cancer specialists, and preferred hospitals. For many cancer patients, this is a huge bonus since you are not forced to find providers and hospitals that are considered “in network” by the insurance company and can find care specialists with whom you are most comfortable. In addition, you can schedule a visit with specialists without needing a referral from your primary care doctor.
Under an indemnity insurance plan, you pay up-front medical costs and then submit paperwork for reimbursement for some of the fees involved. If you choose an indemnity policy, remember to save all receipts and paperwork to submit later on to the insurance company.
An indemnity health insurance policy is often called a fee-for-service policy or FFS for short.
Furthermore, an indemnity policy requires a deductible and a co-insurance rate, which is the amount of the medical costs that you will have to pay, typically somewhere between 20-25 percent. In addition, if a specific medical treatment or procedure is excessive in cost, the insurance plan will only cover the typical cost for that procedure or treatment and the policyholder must pay the remainder. You can always inquire about the cost of a procedure, treatment or prescription and speak to your doctor’s office about fees before you agree to the treatment so that you can verify the costs with the insurance company before paying.
Once you hit your out-of-pocket maximum fees for the year, the insurance company will pay the remainder of healthcare costs for that year.
Be aware that not all medical treatments fall under an indemnity plan, so please contact one of our specialists today to speak about the specifics of an indemnity insurance policy for individuals with a cancer diagnosis.

Guaranteed Issue Insurance Plan

Another excellent health insurance plan option for cancer patients is a guaranteed issue insurance plan, which promises acceptance into a health insurance plan, regardless of pre-existing health conditions like cancer.
Such a plan will cover the same things as a standard health insurance policy, such as doctor visits, prescriptions, hospital visits and other medical treatment fees. No medical exam is required and no health-related questions asked before membership acceptance into the insurance plan.
While a guaranteed issue health plan may be more expensive than your traditional health insurance policy, it is almost certainly less expensive than paying out-of-pocket for all medical costs associated with cancer. In addition, the cost of the guaranteed issue plan varies according to the insurance policy premium and deductible and can be quite affordable.
Please note that some policies may require a waiting period, typically around six months, before the policy will go into effect to pay for certain pre-existing conditions.
Contact one of our specialists for more information and with any questions that you may have.

Other Types of Insurance Plans

There are other types of insurance policies, such as a HMO or a PPO.

  • HMO Insurance

Typically, HMO insurance policies are less expensive than other plans but require members to select a primary care physician and obtain referrals from that doctor for all other specialists, lab work or other treatment.
The amount and type of care provided by an HMO can be limited, especially for cancer patients and others with medical conditions that require specialized treatment.

  • PPO Insurance

A PPO insurance plan generally offers lower co-pays for members who select care from the insurance network, such as a $15 co-pay for a regular visit to a chosen primary care physician. In addition, members can see specialists without obtaining a referral from their primary care physician.
Deductibles for a PPO plan may be higher than other policies and the co-pay may be different for various visits, such as lower co-pay for a standard doctor visit but higher co-pay for urgent or emergency care or a visit to a specialist. Our guaranteed issue health policies ALL belong to PPO plans. That means you can be accepted to an insurance policy despite your cancer history AND still keep the doctor you trust the most.

  • Government Insurance

The government also offers health care for individuals age 65 or above and for some people who have certain disabilities or end-stage renal disease. The government health care program, called Medicare, only covers certain types of medical care.

In addition, the government has a separate health insurance program for low-income families and individuals, called Medicaid. There is also a children’s health insurance program that is available in certain states.

  • Employer Health Care

Many employers offer health insurance, especially to full-time or salaried employees. This health care insurance varies from company to company, as does the monthly cost, the deductible and the overall cost to the individual employee. Contact your employer for more information about available health care insurance through your company.

What Next?

Now that you have learned about various types of insurance policies available, including those for cancer patients, consider your options carefully. If you were denied insurance coverage from other companies or wish to change insurance policies, especially if the problem stems from a pre-existing cancer diagnosis, call us for more information, especially about indemnity insurance or guaranteed issue insurance plans.
We look forward to assisting you with information about our insurance plans, the right type of insurance for you or your family and answering any questions that you might have. Remember that health insurance can make a dramatic difference when it comes to the cost of managing cancer care.

What if I have never had cancer but want insurance to cover in the event I was diagnosed?

It’s never too late to get insured for cancer or other critical illness. According to the ACS (American Cancer Society), approximately 65% of expenses related to cancer treatment are not covered under regular health insurance. It's important to be insured before you get diagnosed so you can make sure you get the most benefits to cover these very expensive bills.

Cancer insurance policies are designed to pay a lump-sum, cash payment to the client when he is first diagnosed with cancer. Additionally, you may want to get supplemental insurance to cover any gaps in coverage between what your current health insurance will cover and what actual treatment may cost.

What does cancer insurance cover?

  • Mortgage or rent payments due to your inability to work
  • Medical bills including paying deductibles, co-insurance and co-payments
  • Experimental treatments that are generally not covered by your insurance
  • Loss of Income
  • At home nursing while you recover

 

STD

Sexually Transmitted Diseases |Get Health Insurance

Sexually Transmitted Diseases, or STDs, can be life altering & traumatic. Get covered even when traditional insurance companies don’t provide coverage.

Guaranteed issue health plans for STD patients           

Sexually transmitted diseases or STDs are extremely common today, especially amongst those between the ages of 15 and 24. Of course, this does not mean that other age groups are not victims of this ailment. STDs are diseases that are transmitted from one person to the other via sexual relations, which include oral sex, vaginal intercourse, and anal sex. What makes the problem really serious is the fact that a cure for STDs is yet to be found. No wonder that traditional insurance companies don’t provide coverage for such patients. However, with guaranteed issue health plans, such patients can now get coverage for their condition.  

Understanding STDs and symptoms

http://mchb.hrsa.gov/whusa04/pages/ch2.htm
Before going into how such insurance policies help these patients, it is important to understand the different types of STDs that are prevalent today, and the care or treatment they require. HIV/AIDS is the most commonly known sexually transmitted disease today. Chlamydia, Gonorrhea, pubic lice, herpes, hepatitis B, HPV or human papilloma virus, syphilis, trichomoniasis etc are some of the other common sexually transmitted diseases today.
Men and women exhibit different symptoms when they are affected with any one of these sexually transmitted diseases. Where feeling of pain during sexual intercourse, vaginal discharge, incessant bleeding, painful bowels, etc, are common in women, men usually experience pubic lice, unusual discharge, ulcers, burning, itching, etc. Other common symptoms experienced by both the genders include loss of weight, yellowness of skin, nausea, and fever.

Insurance for pre existing conditions

When a person is suffering from any STD, pre existing condition insurance coverage is nonexistent, with most companies refusing to handle such cases. This is largely due to the nature of the disease and the amount of time, money and effort required for maintaining health during that period. Added to this is the fact that these diseases have no cure and are therefore lost causes to most companies

Picture: Smiling couple

However, with guaranteed issue health plans, this is not a problem anymore. No longer do you have to suffer through treatments and financial problems alone. These plans ensure that you are not refused coverage merely for your pre existing condition. However, some companies may have a lock in period (which could be one year or two years) where you are not given any claim amount.
Pre existing condition insurance coverage may be limited in nature. In other words, the amount of coverage you will receive if you are completely healthy may be more comprehensive than if you have a pre existing condition. While this limit is not related to the nature of your claim, it is definitely related to the amount. For instance, some companies may impose a certain limit on the amount they will give out as claim, even where they accept all kinds of claims.
Therefore, knowing more about such insurance companies and their guaranteed health plans is important for those with STDs.

 

Guaranteed issue health plans for STD patients

Guaranteed issue health plans for STD patients

Sexually transmitted diseases or STDs are extremely common today, especially amongst those between the ages of 15 and 24. Of course, this does not mean that other age groups are not victims of this ailment. STDs are diseases that are transmitted from one person to the other via sexual relations, which include oral sex, vaginal intercourse, and anal sex. What makes the problem really serious is the fact that cure a for STDs is yet to be found. No wonder that traditional insurance companies don’t provide coverage for such patients. However, with guaranteed issue health plans, such patients can now get coverage for their condition.  

Understanding STDs and symptoms

Before going into how such insurance policies help these patients, it is important to understand the different types of STDs that are prevalent today, and the care or treatment they require. HIV/AIDS is the most commonly known sexually transmitted disease today. Chlamydia, Gonorrhea, pubic lice, herpes, hepatitis B, HPV or human papilloma virus, syphilis, trichomoniasis etc are some of the other common sexually transmitted diseases today.
Men and women exhibit different symptoms when they are affected with any one of these sexually transmitted diseases. Where feeling of pain during sexual intercourse, vaginal discharge, incessant bleeding, painful bowels, etc, are common in women, men usually experience pubic lice, unusual discharge, ulcers, burning, itching etc. Other common symptoms experienced by both the genders include loss of weight, yellowness of skin, nausea, and fever.

Insurance for pre existing conditions

When a person is suffering from any STD, pre existing condition insurance coverage is nonexistent, with most companies refusing to handle such cases. This is largely due to the nature of the disease and the amount of time, money and effort required for maintaining health during that period. Added to this is the fact that these diseases have no cure and are therefore lost causes to most companies.
However, with guaranteed issue health plans, this is not a problem anymore. No longer do you have to suffer through treatments and financial problems alone. These plans ensure that you are not refused coverage merely for your pre existing condition. However, some companies may have a lock in period (which could be one year or two years) where you are not given any claim amount.
Pre existing condition insurance coverage may be limited in nature. In other words, the amount of coverage you will receive if you are completely healthy may be more comprehensive than if you have a pre existing condition. While this limit is not related to the nature of your claim, it is definitely related to the amount. For instance, some companies may impose a certain limit on the amount they will give out as claim, even where they accept all kinds of claims.
Therefore, knowing more about such insurance companies and their guaranteed health plans is important for those with STDs.