Aa
Aa
A
A
A
Close
Avatar universal

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.
2 Responses
Sort by: Helpful Oldest Newest
282113 tn?1388159749
MEDICAL PROFESSIONAL
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
Helpful - 0
Avatar universal
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.
Helpful - 0

You are reading content posted in the Health Insurance Forum

Popular Resources
Discharge often isn't normal, and could mean an infection or an STD.
In this unique and fascinating report from Missouri Medicine, world-renowned expert Dr. Raymond Moody examines what really happens when we almost die.
Think a loved one may be experiencing hearing loss? Here are five warning signs to watch for.
When it comes to your health, timing is everything
We’ve got a crash course on metabolism basics.
Learn what you can do to avoid ski injury and other common winter sports injury.