Insurance and pre-existing conditions?

[Sherryg683]

I know you ladies can help me here, as I am confused about this all. My brother has melanoma that has spread to his liver. He had just retired from the state when diagnosed. They have 3 insurance plans which you can choose, each are carried out by different insurance companies. My brother has always been very tight with money and had the cheapest (Humana). They would not allow him to travel out of Louisiana for treatment. Once a year, the state emplyees are able to change their insurance plans. My bother has run out of options here and needs to go to MD Anderson. So in August, he switched to the better insurance offered by the state and dropped Humana. Now this new insurance is saying they will not pay any of his bills because of a pre existing clause they have..If this is the case..he is totally screwed. He's worked with the state all his life and now has no insurance. He's been on the phone for 3 weeks and keeps getting run arounds. The state said there should be no pre existing clauses here, the insurance company says there is. This bring up ANOTHER question I have. My husband is pretty advanced in the company he works for and we have great insurance. But I worry about something happening to his job. If he had to change jobs, would I not be able to get insurance because of my cancer being pre existing. Is he locked into this company forever because of my disease. And what if he died, would I then be uninsurable and my medical bills paid for. I know you ladies know the answers here. My husband said he thought a bill was passed that insurance companies could not turn you down due to pre exisiting conditions. But I hear it happening all the time, it's happening to my brother and he doesn't have a lot of time to fight this ...sherryg