Democrats' Plan to Help 'Uninsurables' Requires 6-Month Wait

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WASHINGTON - You're afraid your cancer is back, and a health insurance company just turned you down.

Under the health care bills in Congress, you could apply for coverage through a new high-risk pool that President Barack Obama promises would immediately start serving patients with pre-existing medical problems.

Wait a second. Read the fine print. You may have to be uninsured for six months to qualify.

"If you are a cancer patient and have cancer now, you can't wait six months to go into a plan because your condition can go from bad to death," said Stephen Finan, a policy expert with the American Cancer Society Cancer Action Network. He called the waiting period in the Senate bill "unacceptable."

Advocates for people with serious health problems, as well as some insurance experts, are raising questions about one of the most important upfront benefits in the Democratic health care legislation: a high-risk pool for the medically uninsurable.

Obama proposed the pool in his September health care speech to Congress. Intended to serve the most vulnerable as a temporary fail-safe, it would stay in place until 2013. That's when insurance companies would be banned from denying coverage because of medical problems.

The six-month wait is in the health care bill the Senate Finance Committee approved last month. To qualify for the pool, patients must be turned down for coverage because of a pre-existing condition and uninsured for at least six months.

"If you are somebody with cancer or a heart condition who needs immediate coverage and immediate treatment, that's not very helpful," said Karen Pollitz, a Georgetown University health policy professor.

Senate Finance staffers say the restriction is meant to prevent people switching from more expensive coverage to take advantage of government assistance.

Democrats' Plan to Help 'Uninsurables' Requires 6-Month Wait - FOXNews.com

Is this not one of the main reason's Obama has been using to push his health care overhaul? Obama incorrectly used the incident of a lady with acne getting dropped from coverage in one of his health care speeches.