Health plan for person with MS

I have MS and no health insurance.  I lost health insurance when I had to leave my job.  How can I get coverage?

Not Sure Where To Turn

Dear Not Sure Where To Turn,

It depends what state you live in. In some states, insurers have to offer you a plan though they may be able to charge you more. In other states, the insurer can refuse to sell you a plan.  Here is a list of states and their rules on “guaranteed issue”.  If you are turned down for health insurance, contact your state’s insurance regulatory bureau to find out whether you qualify for a high risk pool or other program for people who are considered “uninsurable”.

In 2014, all insurers will have to accept you as a customer.  Until then, you may have to work a little harder to find a plan.  If your illness is preventing you from working, you should file for Social Security disability.  You may qualify for these benefits, which would help you pay for health insurance until you qualify for Medicare.

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Linda Riddell

About Linda Riddell

A published author and health policy analyst with 25 years’ experience, Linda Riddell's goal is to alleviate the widespread ailment of not knowing what your health plan can do for you.