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MaryinPa
MaryinPa Member Posts: 8
edited September 2017 in LCIS (Lobular Carcinoma In Situ)

I was diagnosed with LCIS and recently applied for a supplemental insurance. I was declined because my LCIS is considered by them to be cancer (they require you to be cancer free for 5 years) despite my doctor telling me it is not cancer. Had anyone else had this happen, and can this decision be overturned?

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  • MelissaDallas
    MelissaDallas Member Posts: 7,268
    edited September 2017

    It entirely depends upon the type of "supplemental" insurance and the insurance company's underwriting guidelines. Sometimes you can find the underwriting guidelines online. Is there an agent? It is helpful to have the agent intercede for you if there is.

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  • light1candle
    light1candle Member Posts: 79
    edited September 2017

    You did not mention which supplemental insurance you applied for, but I can speak for my experience with AFLAC. I signed up for an AFLAC Cancer policy about 8 years ago thru my work. Recently I was diagnosed with LCIS. I had read from others who posted at Breastcancer.org that DCIS was covered by AFLAC's cancer policy, but I wasn't sure if LCIS would be covered. I decided to submit my claim anyway and they did indeed cover LCIS as "an associated cancerous condition", which is great for me. They very quickly paid me something for my initial diagnosis, as well as something for my lumpectomy, and I expect that they will pay towards my upcoming NCI cancer center evaluation and towards my anti-hormonal drugs, if I decide to take them. But of course that means that they would consider someone with LCIS who is applying for a new policy as already having a "cancerous condition" that they would be obligated to cover, so they would not do that. It is my understanding that with AFLAC you have to be "cancer-free" for 5 years before you can buy such a policy, and considering the nature of LCIS, I don't know when you could be considered "cancer-free".I'm sorry -- I'm sure this is not what you wanted to hear.

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  • MaryinPa
    MaryinPa Member Posts: 8
    edited September 2017

    Thanks so much for the information. It was Aflac I was trying to get a policy with. Clearly if they paid out on your policy for LCIS, they do consider it a cancerous condition as they told me. I was told that cancer free would mean that I have no further discoveries of LCIS. I will just need to continue with no abnormal findings (I wish this for more than just insurance reasons and for all on this site). Thanks again!

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  • MelissaDallas
    MelissaDallas Member Posts: 7,268
    edited September 2017

    Disability policy? Cancer poicy?

    The fact that they say "no further discovery of LCIS" is pretty inane if they have any understanding of how LCIS works. You could probably randomly stick a needle in either breast and have a good chance of hitting some LCIS right nowby virtue of how the condition works.

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