- Children Diagnosed With Cancer: Financial and Insurance Issues
- Insurance can be complicated
- Private health plan coverage for children
- How to manage your child’s health insurance
- Where can families get answers to questions about health insurance?
- Keeping records of your child’s insurance and medical costs
- Handling a health insurance claim denial
- Keeping employer-sponsored health insurance coverage when you leave your job
- What if my child’s medical care is covered by more than one insurance company?
- Government-funded health plans
- Who regulates insurance plans?
- Options for uninsured children
- State coverage and health insurance options for the hard to insure
- What sources are available to help with treatment costs if my child doesn’t have insurance and there’s no public assistance available?
- Financial issues for families: Getting help with living expenses
- To learn more
State coverage and health insurance options for the hard to insure
People with health problems are often denied private health insurance or have trouble finding affordable coverage. The Affordable Care Act (ACA), passed in 2010, does not allow insurance companies to deny coverage to children with pre-existing conditions (such as diabetes or cancer) as of September 2010.
Under this Act, every state must have a high risk pool or Pre-Existing Condition Insurance Plan (PCIP) for people who have not had insurance for 6 months or more and have cancer or another pre-existing condition. Whether the state or the US Department of Health and Human Services runs the PCIP program depends on the state. The program name and design may vary, too, depending on which state you live in. (Go to www.healthcare.gov/law/provisions/preexisting/index.html for the most current information on what’s available in your state.)
Last Medical Review: 05/16/2013
Last Revised: 05/16/2013