How can a person switch health plans when they are sick?

Question:

Please help! My uncle, who is in his fifties and has kidney problems (stones) and other issues, has doctors who really suck because he is forced to stay with his sub par health plan. I won't name it, but the doctors he is required to see are indifferent and haven't helped him and he can't afford to see anyone else.

He also is discouraged and is too upset to haggle with insurance people, so he just allows himself to suffer.

So, I want to help!

What can he do to eventually switch plans (legally) when he has been with one for so long and is currently sick? Every insurance carrier will not take a new customer if that person is sick (pre-existing condition clause) so therefore a sick person is effectiively screwed. He has nothing terminal and does not have diabetes.

Please! If there are any insiders who wish to earn some good karma and relieve the pain of someone who has given up, now would be a great time!

Answer:
Is he on state medicaid? or does he have insurance thru a private insurance company? That can make a big difference. If his health is nothing terminal can he just not mention it when trying to switch? Is his sickness something he has to share with new insurance? Because kidney stones shouldn't prevent him from switching. I know most insurance co. Even state only has open enrollement 1 time a year. If he has to stay with the ones he's with I would start filing complaints for him about the indifferences. Not only to the insurance co but to the health program that dr works for (hospital, clinic, etc). If he's not willing to say enough is enough then there may not be much that can be done. If the problem continues I would seriously think about contacting an attorney. good luck

How can a person switch health plans when they are sick?

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