Diagnosis that hurts your chances of changing insurance plans

OneEyedDiva

Well-known Member
Location
New Jersey
I really don't know about regular health insurance Pauline because I've had an Aetna HMO for decades through my employee, then retiree health plan. When I became eligible for Medicare, Aetna seamlessly slid me into their medicare plan. Now the state is offering Aetna's PPO plan. No medical exam is necessary. However, because I had atrial fibrillation and diabetes when I was looking for a long term care plan, I was denied by both the state health benefits and AARP's LTC plans.
 

Michael Z

New Member
I find much irony in the great effort for “privacy”. You have the right to privacy except when it comes to insurance - then it is a criminal offense to withhold any of your medical info that is asked for. Given I have cancer, I am most blessed to be able to continue my insurance after retirement with an early retirement incentive to pay for several years of premium.
 

Pauline1954

Member
I really don't know about regular health insurance Pauline because I've had an Aetna HMO for decades through my employee, then retiree health plan. When I became eligible for Medicare, Aetna seamlessly slid me into their medicare plan. Now the state is offering Aetna's PPO plan. No medical exam is necessary. However, because I had atrial fibrillation and diabetes when I was looking for a long term care plan, I was denied by both the state health benefits and AARP's LTC plans.

It sounds like the transition in your insurance plan was smooth. 👍
 

Liberty

Well-known Member
Location
Texas
Cancer. I have surgery for a cancer on my nose. The slow growing kind basel cell. Im glad Im satisfied with my insurance plan because this may be the only plan. I get the procedure December 21.



What other condition or diseases makes it hard to change plans?
Doubt that having a basel cell removed from your nose would raise your rates or have you denied coverage if you want to change plans. Think its usually taking a lot of meds and having multiple co-morbidity conditions that raise the pesky red flag.
 

Pauline1954

Member
Doubt that having a basel cell removed from your nose would raise your rates or have you denied coverage if you want to change plans. Think its usually taking a lot of meds and having multiple co-morbidity conditions that raise the pesky red flag.
Insurance companies do whatever it takes to keep risk low. I know diabetics are considered high risk. Probably heart disease is considered high risk as well. Id like to hear from others that has bcbs that tried to get a new plan. Curious to learn real life experiences.
 

oldpeculier

New Member
Location
North Carolina
Hi Pauline. I tried to switch to a different company last year and was denied because of my history of two primary internal cancers, both treated years ago with no evidence of disease. The reason they denied me coverage was a Melanoma in situ which I thought strange. They considered it a internal cancer even though it was removed from my skin with clear margins via surgery. Not sure about how BCC would register on their scale of approval. Was not BCBS.
 

Aunt Bea

SF VIP
Location
Near Mount Pilot
I’m a diabetic.

I was covered by BCBS during my working years and under COBRA when I stopped working.

I continued with BCBS under Obamacare until I was eligible for Medicare.

I continue to use Excellus BCBS for my zero premium Medicare Advantage plan.

I’ve never had a problem changing plans or having a claim denied with BCBS.

I have had some limits on drug coverage but those are Medicare limitations.

The ability to change plans or coverage may vary from state to state, but I haven’t had any issues in New York State.
 

Pauline1954

Member
Hi Pauline. I tried to switch to a different company last year and was denied because of my history of two primary internal cancers, both treated years ago with no evidence of disease. The reason they denied me coverage was a Melanoma in situ which I thought strange. They considered it a internal cancer even though it was removed from my skin with clear margins via surgery. Not sure about how BCC would register on their scale of approval. Was not BCBS.

Its always the high risk conditons. Ive got surgery for a cancer on my nose on dec 21. Once thats reported and done I wont be able to change. Its almost the same with diabetics. The word diabetic is one that means high risk to insurance companies. I keep that word off my records. Im controlling it on my own through diet and exercise.
I feel better too.
 

oldpeculier

New Member
Location
North Carolina
Good on you. It seems we have some things in common as I am also a T2 diabetic that is now well controlled with diet and exercise. My last HbA1c was 5.3 and has been in that range for a few years now. I personally believe the cancers I've experienced were partially caused by elevated blood sugar that went under the radar. The diabetic word is on my records so I will probably never be accepted by another company.

Good luck with your surgery.
 

Pauline1954

Member
Good on you. It seems we have some things in common as I am also a T2 diabetic that is now well controlled with diet and exercise. My last HbA1c was 5.3 and has been in that range for a few years now. I personally believe the cancers I've experienced were partially caused by elevated blood sugar that went under the radar. The diabetic word is on my records so I will probably never be accepted by another company.

Good luck with your surgery.
Sorry, once diagnosed with diabetes they take advantage of us. So yea its a tough thing. I just dont eat garbage like I used to 5 years ago. Im healthier now than I have ever been. Except when a teenager. Thoses animals exist on junk foods. 😄
 


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