Health Insurance for Cancer Patients
What health insurance options exist for cancer patients in Washington?
Options include Apple Health (Medicaid for qualifying incomes), Medicare (age 65+ or disability), Washington Health Benefit Exchange marketplace plans, employer insurance, COBRA continuation coverage, and the Breast and Cervical Cancer Treatment Program. The OIC (1-800-562-6900) can help you understand your options.
Can I get insurance after a cancer diagnosis?
Yes. Under the Affordable Care Act, insurance companies cannot deny coverage or charge more because of a cancer diagnosis. You can enroll through the WA Health Benefit Exchange during Open Enrollment (Nov-Jan) or during a Special Enrollment Period triggered by qualifying events like job loss.
What does Apple Health cover for cancer patients?
Apple Health covers comprehensive cancer care including chemotherapy, radiation, surgery, prescription drugs, lab tests, imaging, hospital stays, mental health services, and transportation to appointments. There are no copays or deductibles for most services. Apply at wahealthplanfinder.org.
How do I appeal an insurance denial for cancer treatment?
Request the denial in writing, then file an internal appeal with your insurer within 180 days. If denied again, request an external review through the WA Office of the Insurance Commissioner. The Cancer Legal Resource Center (1-866-843-2572) provides free help with appeals.
What is COBRA and should cancer patients use it?
COBRA lets you keep your employer's group health insurance for 18-36 months after leaving a job, but you pay the full premium. Compare COBRA costs with marketplace plans and Apple Health — you may find more affordable options. You have 60 days to elect COBRA after losing coverage.
Does insurance cover second opinions for cancer?
Most insurance plans cover second opinions for cancer diagnoses. Some plans require pre-authorization. Under Washington law, you have the right to a second opinion, and your insurer generally must cover it. Fred Hutch, UW Medicine, and other major centers offer second opinion consultations.