Medical Insurance for the Uninsurable?

[Mike S]

I work for a SMALL company in North Carolina: 4 full-time employees. We
currently have group medical insurance. The insurance company we are with
now is complaining that we do not have enough employees and they will have
to drop our coverage. And this is after a HUGE increase in premium on our
last contract. I feel like at least part of the problem is due to the
coverage on my family. My family has been with this company insurance for 2
years.

4-1/2 year ago my wife got breast cancer. Since we have been with this
insurance, she has remained cancer-free. She has had countless routine
exams, a couple of minor surgeries to remove small benign lumps and a
left-side simple-mastectomy to remove a large "benign" lump. My son has
also been recently diagnosed with Tourettes Syndrome.

My questions:
Is there an insurance company out there that will give my family individual
family medical coverage?
Is there an insurance company out there that will give the company I work
for group medical coverage?

Thanks for any thoughts,
Mike

[TNGIE]

Dear Mike,
Certainly there are carriers in NC which will provide coverage for your
company. Under the 1996 Federal Act, HIPAA, groups employing 2-50 employees
cannot be turned down for health insurance. We have several carriers available
in NC. As for an individual plan for your family, you are presented with a much
tougher challenge. Internal cancers of all types within five years of diagnosis
are nearly impossible. I suggest you call or e-mail me for more information.
Thank you and good luck.
Alan Leafman
WorldWide Insurance Services, Inc.
800-955-0418, ext 222
e-mail: Alea...@wwins.com