Insurance for the Uninsurable?
Question:
I work for a SMALL company in North Carolina: 4 full-time employees. We currently have group medical insurance. The insurance company we are with now is complaining that we do not have enough employees and they will have to drop our coverage. And this is after a HUGE increase in premium on our last contract. I feel like at least part of the problem is due to the coverage on my family. My family has been with this company insurance for 2 years. 4-1/2 year ago my wife got breast cancer. Since we have been with this insurance, she has remained cancer-free. She has had countless routine exams, a couple of minor surgeries to remove small benign lumps and a left-side simple-mastectomy to remove a large "benign" lump. My son has also been recently diagnosed with Tourettes Syndrome. My questions: Is there an insurance company out there that will give my family individual family medical coverage? Is there an insurance company out there that will give the company I work for group medical coverage? Thanks for any thoughts, Mike
Response:
Depending on your financial circumstances you might look into State Funded assistance. In my state your son more than likely would qualify. If your insurance company is doing this it is because of 1 of 2 reasons: 1. They have changed their "listing" (set of qualifications) with the state and MUST comply with their own protocol. Or 2. Your small company just lost an employee and due to CURRENT protocol they again must inforce their own rules. Don’t take it personally. *IF* they are discriminating against your company for any other than the above it’s more than likely illegal. Check with your local state insurance board or website if this is the case. I hope this helps.
– Hide quoted text — Show quoted text – I work for a SMALL company in North Carolina: 4 full-time employees. We currently have group medical insurance. The insurance company we are with now is complaining that we do not have enough employees and they will have to drop our coverage. And this is after a HUGE increase in premium on our last contract. I feel like at least part of the problem is due to the coverage on my family. My family has been with this company insurance for 2 years. 4-1/2 year ago my wife got breast cancer. Since we have been with this insurance, she has remained cancer-free. She has had countless routine exams, a couple of minor surgeries to remove small benign lumps and a left-side simple-mastectomy to remove a large "benign" lump. My son has also been recently diagnosed with Tourettes Syndrome. My questions: Is there an insurance company out there that will give my family individual family medical coverage? Is there an insurance company out there that will give the company I work for group medical coverage? Thanks for any thoughts, Mike
