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Can I get health insurance after cancer diagnosis?

Can I get health insurance after cancer diagnosis?

Generally, no, not after diagnosis. The individual plans will not accept you unless you've been cancer free and off of any medications for a certain period of time. The only option would be a group plan through an employer. Then you'd have a waiting period for pre-existing conditions but then you'd be covered.

You may want to check out your state Medicaid to see if you'd qualify. Some states have medically needy plans so even if you don't qualify by income you might qualify if the treatment for your type of cancer is expensive (and most are).

Usually you won't get a PRIVATE policy, but you can get added to your group policy through your job. If you've had no prior coverage, you'll have to wait 18 months before anything cancer related will be covered.

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