Health Insurance Expert Forum
Is skin cancer 9 years ago a pre-existing condition?
About This Forum:

This forum is for questions and support regarding health insurance issues such as Medicare, Medicaid, Long-term health insurance, COBRA, insurance portability.

Font Size:
A
A
A
Background:
Blank
Blank
Blank
This expert forum is not accepting new questions. Please post your question in one of our medical support communities.
Blank Blank

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.
Related Discussions
2 Comments
Blank
Avatar_m_tn
Your rate isn't that bad.

Insurers can go back much further than five years, depending on the company.

Why not apply "non-bound" with a few carriers (Aetna  and BC) and then compare your options. But do NOT cancel your existing coverage.

If I can help, let me know.
Blank
282113_tn?1388163349
Dear ginnyboo,

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.

Sincerely,

Amir Mostafaie
Blank
MedHelp Health Answers
Blank
Weight Tracker
Weight Tracker
Start Tracking Now
RSS Expert Activity
242532_tn?1269553979
Blank
Control Emotional Eating with this ...
Sep 04 by Roger Gould, M.D.Blank
242532_tn?1269553979
Blank
Emotional Eating Control: How to St...
Aug 28 by Roger Gould, M.D.Blank
233488_tn?1310696703
Blank
New Cannabis Article from NORTH Mag...
Jul 20 by John C Hagan III, MD, FACS, FAAOBlank