Will insurance cover a pre-existing medical condition? -

I have a friend that is out of work and has no medical insurance. Recently, during her annual checkup with her OBGYN, they noticed some cancerous cells in her ovaries that may or may not require surgery. If surgery is required and if she then signs with an insurance company, will her surgery then be covered? Nope, this is NOW a pre-existing condition. Actually, she's not going to find someone to take her on, until the issue is resolved. And even then, they'll likely exclude coverage for anything related to this, for a good long time - like years, after it's resolved. She had to have been covered by a group insurance plan before signing up with the new one or limitations to coverage will apply. I can't remember for sure, but I think you can have a lapse in coverage for up to 30 days for this to apply. She already HAS a pre-existing condition, since the cancerous cells have been detected. The odds of receiving coverage for her condition are slim to none, unless she somehow gets an employer provided group policy. And even then, she may face exclusions to coverage for a specified period of time after signing on for the coverage. As far as I know, as long as she has not been treated for this condition, or diagnosed, the insurance will cover. Some insurance does, but very rare, usually with an employer's group insurance plan. So, as long as she has a job, she should be fine. Because she is still in the process of this cancerous situation, no insurance company will touch her now, if ever. Once you get 'cancer' on your record, your history with health insurance is over, unless with an employer. Best of luck to your friend. Without a formal biopsy, there's no way to tell if the cells are cancerous or not. As for insurance covering a pre-existing condition, most will not. If she is in the US, she can apply to Medicaid for medical and should further tests and diagnoses need be done, she will have the resources to get them.