What do I do for Health Insurance?

  • by etrizzle90
  • Oct 30,2018
  • 8 answers

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.


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Insurance Answers (8)

Chassiddy Brown 2 months ago

The condition is NOT considered pre-existing IF the condition/illness was not previously diagnosed by a medical doctor (this does not include webMD or other armchair physicians).
Come on people...this isn't hard to understand.

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Janae 2 months ago

I don’t know

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The Football God 2 months ago

Poor planning on your part is not an emergency on my part. Live with it.

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Leelinesourcing 2 months ago

You should be patience to wait. For the god sake stop drinking.

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lucy 2 months ago

With the ACA (Obamacare) there is no pre-existing clauses, but you must sign up during open enrollment, which luckily for you is next month/December to be covered on Jan 1, 2019.
UGH, any short term insurance, be it 90 days waiting period in most cases will NOT cover anything preexisting AT ALL. Now you may say, have not been diagnosed, but once you get insurance, then the short term insurance will investigate any claim you submit. So, you go to the doctor and he asks (when) do you get the symptoms or problems and you state last month (prior) to your application, thus not covered.
Now I have no clue how critical illness on any plan works, thus other agents may explain if in fact it they cover or (not).
The reason for the open enrollment and for pre existing conditions to be covered, is that many people (choose) to not buy health insurance, but later, become pregnant, need surgery or like you (suspect) you have something, so now want to buy insurance for a few months, then cancel it.
I am not being mean, but unless you qualify for a special open enrollment, then will need to wait till Jan 1, 2019 to be covered
Odds are, you don't have cancer or anything serious, since the problem most of us have is the internet to self diagnose us, be it right/wrong.
So, you need to start with making a appointment with a family doctor that will examine you for about $150 or less, Then after a family doctor examines you, may want to take more tests, or tell you that is nothing is wrong.
Either way, buy health insurance if you need it or not for 2019.

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A Hunch 2 months ago

You wait it out and purchase insurance effective 1/1/2019.
"as a contract worker" - I'm so TIRED OF THIS EXCUSE.
Most self employed individuals get a tax deduction on schedule C for health insurance.
Besides insurance you purchase privately is often less expensive because you pick the coverage that you WANT instead of what an employer shoves down your throat.
The American healthcare system does a fine job providing health insurance and treatment.
It's the stupidity of the Americans that makes it not work.
Your choice is to pay out of pocket now or wait 2 months for coverage.

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Erik 2 months ago

I would tough it out until the open enrollment period, sign up for insurance, get checked out, and then cancel it. And for god's sake stop drinking!!!

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Casey Y 2 months ago

Pre-existing conditions are not a concern anymore...but you will have to wait until January 1st in order to get a plan without a waiting period.

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