I m currently a contract employee and do not receive insurance through my company. I have been having lymph node pain/discomfort under my chin for quite a while now and I m thinking in my head that it might be lymphoma. Alcohol makes it worse and it doesn t seem to go away.
My question is, looking at getting insurance is tricky as even if I apply for the open enrollment for government assisted insurance I won t be covered until the start of next year. All of the short term medical insurance that I ve seen has like a 90 day "waiting period" for anything serious (ie cancer) and that s even with the "critical illness" add on plan.
If I get the insurance and it ends up being cancer, then I m screwed and the insurance won t cover any of it. If I get the insurance and wait 3 months, that s half the time of the short term insurance plan already... Any thoughts on what I can do here? Trying my best not to die here and the American health insurance system doesn t seem to want to help with that.