Question: If my wife is covered under a group plan offered by my employer and she has breast cancer; how can I guarantee renewability and continuity of the policy if I loose my employment?
Thanks Answer: In most cases continued cover will be dependent on where you work and which insurance company you have coverage with. Some plans will continue coverage after you have left the job (this can be indefinite coverage or coverage subject to a specific time period). It may be possible to get coverage for your wife on an individual plan after an exclusion period (usually two or more years). This means that if your wife has not manifested any symptoms of breast cancer, or received treatment for the condition for two years, she may be reconsidered for coverage. Alternatively you must look for a new job where the insurance will provide cover for a pre-existing condition. That is why we recommend that even if you have medical insurance under a group plan that you also have additional cover in the form of an individual catastrophe plan. Catastrophe plans will provide cover for serious medical conditions (such as breast cancer) and are always guaranteed individually renewable for life. I am very sorry to hear about your unfortunate circumstances. Please feel free to contact me and we can discuss the specifics of your situation and look into various coverage options for you and your wife. |
Family Plans
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