If a doctor has requested a LEEP procedure, it’s because the annual Pap smear indicated the presence of abnormal cervical cells, or cervical dysplasia. It’s important for you to remember that having cervical dysplasia does not mean that the patient has cervical cancer. However, treatment of the abnormal area is imperative to prevent abnormal cervical cells from developing into cervical cancer.
I receive requests for health insurance from women who have had the LEEP procedure and many carriers will decline to issue for a period of time. Below are the underwriting guidelines for some of the major California health insurance companies:
Health Net Must have two normal subsequent cervical cancer screenings; annual follow-up to be considered.
Blue Shield Two normal Pap test 6 months apart following the abnormal Pap. Possible eligibility at higher rate.
Anthem Blue Cross Most cases when followed by 2 consecutive normal Paps (6 months apart). Possible coverage at Tier 1 (standard) Rating
Aetna this is from experience, not from underwriting guide With one normal Pap 6 months after LEEP procedure, can consider at a higher rate. Two normal Paps 6 months apart, likely standard.
About a month ago, I was contacted by a young lady who was paying about $550 per month under Cobra. She had one normal Pap about 7 months after the LEEP procedure. I recommened that she apply for the Aetna policy and received a quote from the company for about $185 per month for an HSA plan. This was a 50% rate up from standard but clearly a much better alternative than continuing her Cobra. My suggestion was to apply now and get something in force.
She chose to wait and see what her next Pap which was scheduled for December would show. Hopefully it will be normal and she can receive a standard rating. But what if it was abnormal? Now she will not only have to continue paying the high price for Cobra, but perhaps has jeapordized her ability to get individual insurance in the future.
Not only is it important to seek out the expertise of a professional insurance agent, but it is just as important to take his or her advice.
I certainly hope this woman has no further issues.
To review your insurance, please go to www.califorinamedicalquotes.com. If you are approaching Medicare or know someone who is confused as to choices, go to www.californiamedicareplans.com.