Health Insurance with a pre-existent condition
My son is in Utah this week skiing with his girlfriend and her family and got injured last night. He was taken to the hospital and it was determined that he busted his knee (ACL) but because he has no insurance there was not much that they could do for him.
They are flying back tomorrow and he is concerned that he won't be able to get health insurance with his pre-existing condition. He is going to require surgery and therapy. He know that he is going to probably have to pay a high premium for his condition, but I don't even think that they will insure him.
He has a stable job, but they do not offer health insurance and him being young (26) didn't think that he was going to need health insurance anytime soon. He won't qualify for Medicare/Medicaid because he probably makes too much money (not that he makes tons of money, but he has an income). Also, he won't qualify for state assistance. We are in Florida. What happens when people need surgery and do not have insurance? Can he be put on a payment plan or something like that?