Can health insurance companies exclude cancer all together?

[Julie Ladner]

Not just exclude as a preexisting. I'm being told that a distant friend is having testing done to determine if she has cancer (which would be the first time), and that her insurance company doesn't cover any type of cancer treatment/testing/etc. This just doesn't sound quite right to me.

 

[STIBROKER]

Not just exclude as a preexisting. I'm being told that a distant friend is having testing done to determine if she has cancer (which would be the first time), and that her insurance company doesn't cover any type of cancer treatment/testing/etc. This just doesn't sound quite right to me.

must be on Freedom Life from USHEALTH.........

 

[bmarsh]

no, must not be real health insurance...probably an indemnity of some type

 

[somarco]

Not just exclude as a preexisting. I'm being told that a distant friend is having testing done to determine if she has cancer (which would be the first time), and that her insurance company doesn't cover any type of cancer treatment/testing/etc. This just doesn't sound quite right to me.

In addition to the other suggestions, it could be an STM plan.

 

[Julie Ladner]

I'm getting my info second hand, and I don't think it is accurate. This person has worked for a reputable neurologist for several years. Hard to believe her insurance wouldn't be legit. And I certainly wasn't believing health insurance companies could exclude cancer. Worried a scam fundraiser might be in the works. Thanks for your reply!

 

[STIBROKER]

I'm getting my info second hand, and I don't think it is accurate. This person has worked for a reputable neurologist for several years. Hard to believe her insurance wouldn't be legit. And I certainly wasn't believing health insurance companies could exclude cancer. Worried a scam fundraiser might be in the works. Thanks for your reply!

IF she is in texas have her call me......

 

[fed up]

As long as it is in their filing and they are not arbitrary and capricious, they can exclude anything they want

 

[asher]

She may also have a hefty deductible and that’s why she has tompay

 

[SamIam]

Also depends on the test. If it's experimental then yes. Or maybe from some alternative Dr which I've seen happen before.

 

[Brian_Chapman]

Health insurers can no longer charge more or deny coverage to anyone because of a preexisting health condition like asthma, diabetes, or cancer.