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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Health Plans and Pre-existing Conditions

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Question: If i am terminated from my job and have to go onto my husbands insurance will my cancer diagnosis be considered pre existing?

Answer: Your cancer diagnosis is a pre-existing condition for any insurance you would apply for going forward. If your husband’s coverage is group health insurance, your pre-existing condition will not prevent you from becoming insured on his plan. If his coverage is individual health insurance then your cancer diagnosis will cause you to be denied coverage. If that is the case, you have 2 other options COBRA and HIPAA health insurance coverage.

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