If someone lost their insurance and got CANCER BEFORE they got new insurance, (this is in America) are they turned away and left to die?

  • by Bruno
  • Apr 16,2017
  • 8 answers

Joes job is outsourced. Joe loses insurance. Joe is young, healthy, makes good lifestyle chocked but cancer doesn't care. Are there places in America that will provide care (in every state) despite lack of insurance or money? Can hospitals do payment plans? If ACA didn't exist are there insurances that did accept people with pre existing conditions?


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Insurance Answers (8)

Insurance Pickle.com last month

Yes. Joe would have qualified for COBRA and HIPAA plans.

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StephenWeinstein last month

Before ACA, there were "managed risk pools" that would accept someone with preexisting conditions, but the cost was between $2000 and $3000 per person per month, and not everyone could afford that.
Also, if the person had no insurance for more than 63 days, then preexisting conditions weren't covered as soon as the person got insurance again. The wait was typically 6-18 months.

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tro last month

they didn't 'get cancer ' during the time they were uninsured, they had cancer when they had insurance, they just didn't know it
the medical field is not so callous to deny people care when it is needed

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A Hunch last month

Before the ACA:
- First, off remember that once you had insurance you could not be kicked off simply because you got a medical condition. If you had private insurance, there was no way to kick you off. If you had work based insurance, you could be on COBRA for 36 months, if disabled and 18 months if not.
- many states had high risk pools which meant everyone is insurable but could be charged a high premium. This worked differently by state. In California, that cost could not exceed 10% of a healthy person's premium. If a healthy person's plan was $300 than this person's plan could be $330 or an extra $360 which is pennies for all the treatment they received.
- additionally, most communities have low income health centers. Even if you have cancer you can go. The choices are less but you aren't left on the street.
- and finally, you say they weren't eligible for medicaid or medicare but had they become disabled (i.e. unable to work) they would have most likely been eligible for these programs (medicare after 3 years)
A lot more people die because they are afraid to go to the doctor when they think something is wrong, then people who won't go to the doctor simply because they don't have insurance.

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David last month

Nope the tax payers will foot the bill.

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Lolly last month

Yes, the Paul Ryan dream world, which he is trying to restore.

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Amy last month

Yes, he is turned away and left to die.
Hospitals provide emergency care to everybody. They don't provide daily doses of expensive drugs.
They do allow payment plans - they'd rather get paid slowly than not at all.
Some insurance plans did accept people with pre-existing conditions, but the premiums are so high that you might as well just pay for the treatment. This will be true again under the Republican insurance deal.
That's why you should get insurance even if you lose your job.

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lucy last month

Emergency rooms must treat everyone and then release them. But for anyone to need continued treatment like cancer, heart condition, or other serious illness, would need specialized treatment.
Our current ACA and the "proposed" GOP plan both allow everyone to be insured with pre existing conditions. But, with the ACA and am guessing if the GOP plan makes it, you can only sign up during open enrollment, or have a "qualifying" event to get if not in the open enrollment, since this "encourages" everyone to buy when they may or may not need it, vs when something awful happens and then decide to buy it.
Cancer on a payment plan? Do you realize how much cancer treatment costs? Most on average can cost over a million dollars. A friend of mine whose husband has lung cancer and has been treating for 18 months, (to date) insurance has paid OVER 3 million dollars.
I remember my ex mother in law had lymphoma, and went for chemo 3 times per week and each treatment cost $3,500 or $10,500 per week. Sorry, I can't expect any doctor to set up a payment plan for cancer due to the costs, or the doctors will go broke. Would you work for free?
Sorry, but those are the facts.

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