After January 1, 2014 under the requirements of the Affordable Care Act, every major medical insurance carrier will have cover a person with Cystic Fibrosis. Pre-existing conditions can no longer be excluded from coverage, be subject to a waiting period for being covered or be grounds for a person to be declined for coverage.
As I always caution any person suffering from a chronic medical condition, just because you now cannot be denied coverage does not mean that all insurance plans out there are equal. You should seek the guidance of an experienced health insurance broker who can help you determine which plans have the doctors, hospitals and/or treatment centers that best fit your needs. And crucially for a person with Cystic Fibrosis, determine what medications are covered in a insurance carriers prescription formulary, at what tier level they are covered under and whether you will be required to go through a step therapy process to get access to the medication you may already be using. It is not safe to assume that your existing treatment pattern will continue unchanged with a new insurance carrier, especially in some of the health plans offered through the government health insurance marketplaces. Doing your homework up front can possibly save you a lot of stress, aggravation and expense on the back end if you make a poor choice.
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As I always caution any person suffering from a chronic medical condition, just because you now cannot be denied coverage does not mean that all insurance plans out there are equal. You should seek the guidance of an experienced health insurance broker who can help you determine which plans have the doctors, hospitals and/or treatment centers that best fit your needs. And crucially for a person with Cystic Fibrosis, determine what medications are covered in a insurance carriers prescription formulary, at what tier level they are covered under and whether you will be required to go through a step therapy process to get access to the medication you may already be using. It is not safe to assume that your existing treatment pattern will continue unchanged with a new insurance carrier, especially in some of the health plans offered through the government health insurance marketplaces. Doing your homework up front can possibly save you a lot of stress, aggravation and expense on the back end if you make a poor choice.