I have a friend who fears she may have breast cancer, who is out of work and does not currently have medical insurance. I have found local programs that can get her free treatment. She is afraid that once she is diagnossed she will not be able to get insurance down the road. She can buy a policy that will go into effect within a week. However we don’t know if they will try to say she has a pre-existing condition, because 5 years ago they found a lump under her arm pit, but a specialist said it was nothing but fatty tissue. We also don’t know what the insurance co’s ability to raise her rates are. What I would like to find out for her is:
how can she get coverage down the road if she does not get it now? could she get on a group policy through an employer? could she get medicare?
can the insurance co. deny her claims for having a pre-existing condition?
can they cancel the policy?
can they keep raising her rates on an individual policy? if so are their limits on this?
Thanks in advance to everyone who offers their informed advice on this thread.