Any way to get Health Insurance now?
The young adult child of a good friend just got the very distressing news that she has cancer. Fortunately, it was caught early, and is a type of cancer with a very high cure rate. But unfortunately, she does not have health insurance, and her treatment regimen is likely to cost upwards of $100K.
She's over 21 but under 25, recently graduated from college, so not a full-time student, and has minimal income, no assets to speak of. Her mother recently married a man who is financially secure, but there's some question whether the husband would agree to spend that much of his money to treat her daughter (they are not close) since it would endanger his retirement and the college fund for his own son. Also, the girl had not settled into a career-track job with benefits, and this had already been a bone of contention between her mother and stepfather. StepDad was already complaining about supporting the girl financially -- now this.
My question is if anyone knows of a way for her to get health insurance - perhaps by returning to school as a full-time student? Since she has already been diagnosed, any policy would need to NOT have an exclusion for pre-existing conditions. Do they even MAKE those policies anymore?
Any ideas? My friend is very, very worried, and is focusing on treatment first -- how to pay later.