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Can we get cancer insurance after diagnosis?
Pancreatic Cancer | Last Active: Nov 10, 2024 | Replies (26)Comment receiving replies
I had no issue purchasing supplemental insurance plan G under Part D of Medicare having had a diagnosis of metastatic pancreatic cancer in 2012. It is a PPO type plan providing no restrictions n choosing whoever I want out of State. I have no restrictions that an HMO Advantage plan might have. Even during my working years, I steered clear of HMO plans as I never wanted to be restricted to who or where I could be been when specialized care was required. When one gets a catastrophic illness, this is of paramount concern.
Where one would have issues is in trying to purchase long-term care (LTC) coverage after having a diagnosis of metastatic disease
Replies to "I had no issue purchasing supplemental insurance plan G under Part D of Medicare having had..."
I don't think they can deny you if you choose original Medicare and a supplement when you first sign up for Medicare at age 65. It's my understanding that if you try to switch from Medicare Advantage (part C) to traditional Medicare (A/B) and a supplement, the supplement is or can be subject to underwriting, which would be difficult or impossible to clear with a cancer diagnosis. As you mention, the treatment and access options offered through traditional Medicare/supplement offer many advantages. I know the monthly premiums can be higher; my supplement premium is higher than my husband's. But we agreed that the security of full coverage outweighed the monthly charge. So far, so good.
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Wasn't aware medicare supplemental plans had PPO offered. And that a cancer diagnosis didn't make you ineligible. Thanks for the clarification. I'll continue with the VA as they work closely with the cancer center a few miles away that I've been using since I was diagnosed with PACC in Aug. of last year.