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I thought OC was going to fix this?
Old 01-24-2012, 05:51 PM   #1
Thinks s/he gets paid by the post
teejayevans's Avatar
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I thought OC was going to fix this?

I'm being let go by my megacorp...was trying to hang on until retirement age where I would have access to group insurance, not to be .
So I had cancer treatment in 2009 and declared cancer free in 2010. I'm checking with insurance agent about getting individual health insurance, all but 1 rejected me without even an application, except for Aetna, questions:
  • I thought Obamacare was going to fix this, or will that happen in 2014?
  • If I'm declined by Aetna, I'll go Cobra route for 18 months but that will leave me a few months short of 2014, what will be my options then?
  • If declined, would it be worth reapplying at end of COBRA period, or am I permanently blackballed?

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Old 01-24-2012, 08:17 PM   #2
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Teejayevans, you are referring to the Patient Protection and Affordable Care Act, PPACA. The provisions affecting pre-existing conditions take effect in 2014. Your state may have a high risk pool option for you. If that is not accepting new enrolled, a federal program may be an option, but requires 6 months of no insurance to qualify. See here
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