Is skin cancer 9 years ago a pre-existing condition?
Hello. I live in northeastern Pennsylvania. My employer's health insurance premium payments are now $203 per paycheck (26 payments per year). She said we can try to find individual plans. My question is... I had basal cell carcinoma (benign) on my face removed in 2001. Do I have to report this as a pre-existing condition since it was nine years ago, completely removed, and no recurrence? Everything I've read so far says the insurers can go back as far as five years into your health history. I have also been suffering from migraine headaches for 16 years and am on p.r.n. medication...is this a pre-existing condition? Thank you for your help.
How/when you report your pre-existing condition to a potential insurer depends on how a health insurance application is structured & the questions phrased. For instance some carriers ask if you have been diagnosed and/or treated for certain condition in the past 10 years, and in that situation you will need to make a mention of your condition but if the same question asks "in the past 10 years", then you will have to answer NO.
Having said that I don't believe disclosing your Basal Cell Carcinoma that was treated 9 years ago will keep you from getting insurance in the Individual market.
The Content on this Site is presented in a summary fashion, and is intended to be used for educational and entertainment purposes only. It is not intended to be and should not be interpreted as medical advice or a diagnosis of any health or fitness problem, condition or disease; or a recommendation for a specific test, doctor, care provider, procedure, treatment plan, product, or course of action. Med Help International, Inc. is not a medical or healthcare provider and your use of this Site does not create a doctor / patient relationship. We disclaim all responsibility for the professional qualifications and licensing of, and services provided by, any physician or other health providers posting on or otherwise referred to on this Site and/or any Third Party Site. Never disregard the medical advice of your physician or health professional, or delay in seeking such advice, because of something you read on this Site. We offer this Site AS IS and without any warranties. By using this Site you agree to the following Terms and Conditions. If you think you may have a medical emergency, call your physician or 911 immediately.