Just got devastating news - UPDATE

[tpsbmam]

88. If it helps and this is a consideration, I live in NC and my insurance is Inclusive Health.....

the federal program NC adopted -- it's the NC high risk insurance partnered with the federal plan that came about due to the ACA.

I was uninsured for many years and, with multiple preexisting conditions, ineligible for insurance. The NC state plan was unaffordable for me and I'd have had to wait a LONG time with a preexisting condition....whatever, not the point now. With the adoption of the federal plan, I was finally eligible and could (barely) afford it. It came just in time for me -- docs discovered a large ovarian tumor with accompanying tests that looked, in toto, like raging ovarian cancer.

I applied for and almost instantly got Inclusive Health, which after the $4500 deductible, covered 100% of everything. (I got lucky -- it was a borderline malignant tumor -- once it was gone, I needed no further treatment).



Here is some basic info:

http://www.inclusivehealth.org/fed_eligible_reg.htm

Eligibility Requirements for Federal Option Coverage

You are eligible of Inclusive Health - Federal Option Coverage if you have been without creditable coverage for at least six months and...

You can answer YES to AT LEAST ONE of the following questions:

Your medical condition makes you "uninsurable."
You have been refused or denied coverage for health reasons.
You have been offered coverage by an insurer with a conditional rider limiting coverage.
You have one of the Inclusive Health - Federal Option presumptive conditions which allows automatic enrollment.

You are eligible if you can answer YES to ALL of the following questions:
You are a legal U.S. resident.
You are a North Carolina resident.
You are not covered as a dependent.

Presumptive Conditions:
You are automatically eligible for Inclusive Health - Federal Option coverage and
you have been diagnosed with any of the following conditions:

"Major Organ Transplant" is on that presumptive conditions list.


Since you've posed the idea, just throwing one more in there.

Link to the Inclusive Health home page: http://www.inclusivehealth.org/index.htm

My heart goes out to your friend and her daughter. I hope all of the ideas out there will find a solution.