S
sunshinegirl
Guest
Hi-- need advice please. I'm 30-ish, married, cancer-patient, currently covered under my husband's group insurance policy (I'm not working now and if I do work next year, I hope to be self-employed), I live in Minnesota and I'm considering getting a divorce. As my current policy reads, I would no longer be covered one month after final divorce. You can see my questions coming:
If I apply for a health insurance policy on my own, is it within company's rights to deny me health coverage in total or to accept me but deny coverage for the cancer because it is "pre-existing"? Would I possibly get a different answer depending upon whether I was employee (group plan) or self-employed? I am also concerned about being accepted but being charged high monthly payments or deductibles... are there maximums allowable under law? Is there a way I can feel insurance companies out on this short of actually applying for a policy? (which I am not ready to do)
thanks in advance for any advice you can give me.
If I apply for a health insurance policy on my own, is it within company's rights to deny me health coverage in total or to accept me but deny coverage for the cancer because it is "pre-existing"? Would I possibly get a different answer depending upon whether I was employee (group plan) or self-employed? I am also concerned about being accepted but being charged high monthly payments or deductibles... are there maximums allowable under law? Is there a way I can feel insurance companies out on this short of actually applying for a policy? (which I am not ready to do)
thanks in advance for any advice you can give me.