Health Insurance Uninsurable

Breast Cancer's Financial Toll: The High Cost of Fighting for Your Life

"The first doctor I saw told me that it was not life threatening, probably a cyst, and I'm too young to worry about. I was 33 at the time, "recalled Marci. But when she went for her annual visit a gynecologist at the end of May, the doctor examined her breasts and sent for an ultrasound and a mammogram. They lead to a lymph node biopsy and fixed, both of which were positive. In June, she was diagnosed with breast cancer stage 3. Marci had worked in the finance industry for 15 years. "I thought" I had insurance that was provided by my company, "she said.However, after the biopsy, she realized her insurance had a cap of $ 10 000 per year. "Who reads the fine print on these things in an addendum of 18 pages?" Marci asked. "Before I had my first treatment, I was on the maximum benefit." The balance sheet has been enormous. "I had to sell my pride and joy -.. A beautiful Red Corvette I was able to use part of the cost of a tax deduction last year, but it is not ready to help a lot for someone who is single, no children, you do not have a lot of radiation, I said I am not entitled to more financial assistance because I was -. employed, "said Marci."I am grateful for my life and in the grand scheme of things, I feel I'm worth the money," she said. "But going through this experience - I feel bitter that the people who live on the system, the unemployed, are entitled to better benefits than I care Cause I'm in the financial industry, I meaning, I'd be a hypocrite to turn. back to my financial obligations. "According to the American Cancer Society, breast cancer is the second most common cancer among U.S. women, after skin cancer: One woman states United has about a 12% chance of developing invasive breast cancer at some point in his life.The American Cancer Society estimates that 230,480 new cases of invasive breast cancer will be diagnosed among women in the United States this year, nearly 40,000 women will die of this disease. This is the second leading cause of cancer death in women, exceeded only by lung cancer. According to the National Cancer Institute, cancer care cost $ 104 100 000 000 American public in 2006, and most of that was for breast cancer - $ 13.9 billion. Although these women are fighting for their lives, they often battle on a second front as they deal with multiple threats to their finances.Jenny Saldana said she had a large corporate work at Procter & Gamble, but was forced to go on short term disability due to breast cancer. "I was able to make my way to recovery my full time job, but I won 40% less with 100% of the bill itself." She says she was scammed by a company to consolidate debt, which cost him so much money and employment potential at Bergdorf Goodman (she says the company ruined her credit consolidation). Then she had to declare bankruptcy. Five years later, she says, "I'm still broken, but took over my passion of acting and writing."Ellen Baker believes that his treatment for breast cancer, including chemotherapy, mastectomy and reconstructive surgery cost about $ 100,000, and its share after the insurance was about $ 20,000. In addition, it has disbursed 200 $ per week for "free stuff, such as acupuncture, hypnosis and Reiki healing energy". who helped her through this ordeal, but which proved costly was what she calls collateral damage of breast -. divorce "My husband of 22 years left after my last surgery," said Baker, whose two daughters were teenagers at the time."I was not working and suddenly pay $ 300 000 from my husband was gone. I faced foreclosure on our house and cars were taken. This is because I contacted my senator, governor and others I could to save the house, "says Baker. Baker, an executive coach, still has two more surgeries to complete the process of breast reconstruction, but because the doctors want $ 12,000 to $ 20,000 in advance - it would have to pay, then wait for be reimbursed by the insurance company - it continues to the reporter. She remains positive though. "What does not kill you makes you stronger," she said. "Every day is a gift.I begin my life at 59. "CJ has just completed seven consecutive weeks of radiation." I am waiting for the rise in the fall and a huge bill to appear, "said the Chief Justice, who says his co-payment on an MRI. $ 250 each time "I felt like I was assaulted with the co-pay on the day of surgery - $ 450. I call it breast cancer Mardi Gras - every time I flash the rack, I do not get beads in itself, but I do not get co-pays.

Guaranteed Issue Health Insurance defined benefit for the uninsurable.

Multi-State

chartered insurance broker health for 13 years did. Is one of the biggest challenges I faced over the years trying to help the uninsurable. Unfortunately, in most states, if you have one of the many conditions "are" medically uninsurable you're labeled as an individual health insurance. In most countries, it can not be insured state lasts for many years and sometimes for life, according to specific pre-existing condition, you been diagnosed with pre-existing medical conditions that make the applicant uninsurable for 10 years or more .

osteoarthritis muscle

and a number of other existing conditions. In addition, there are candidates who have a combination of pre-existing under controlled conditions, but because they are more than three "gateway to the conditions," they identified are not insurance. For example, with many suppliers, the candidate who Hyperlipidimia hypertension, but also falls under the non-obese "beat your three" rule labeled uninsurable. Or the applicant may be two of these controlled conditions is not overweight, but smoking, not marked for insurance.Or a candidate who has asthma, but smoking is the coverage in the same category with many suppliers.

This is just a small sample of situations or "combined conditions" which the applicant is not insurance. So the question is, what do we do now? Who shall deliver me catastrophic medical bills that I can do for the future? Who can help me for drugs right now I control the conditions mentioned in pay? for many years, depending on where you live, you had two choices. are as follows:.

1) If a tax ID, can purchase group health insurance for smaller businesses insurance.With this scenario, a minimum of two people (often husband and wife) who can work in this company to ask a small group health insurance. After a while, or in some cases immediately (depending on how many months you do not have health insurance before the snap) is a pre-existing conditions, provided that this will be covered politics.

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Guaranteed Issue Defined Benefit Health Insurance for the Uninsurable.

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