Question:
about health insurance
at the moment while i'm in the middle of all my tests, i may be leaving my job.it is very stressfull.i am covered now by oxford.will i be able to get another insurance company to pay for the surgery or would i have to start all over again if i quit and try to get health plus or even get another insurance? — JohnnyM (posted on August 26, 2004)
August 26, 2004
I would try to continue being on Oxford. I had both my gastric bypassin
1999 and my revision in 2004 covered by Oxford with no problem
— Lynne C.
August 26, 2004
I would recommend keeping your Oxford benefits under the COBRA Act. You
will have to pay your monthly premium..but in the long run it may be worth
paying it for a few months to save you the hassle of starting from ground
zero with a new insurance company.
— [Deactivated Member]
August 26, 2004
If you quit, you could do cobra and keep what you have until your finished.
IF you change to another insurance you will have to be 'approved' by them,
if they cover it. The same TESTS can be used you wouldnt have to re do the
tests; just submit them to the new insurance company
— star .
August 27, 2004
If at all possible do not quit your job until you have your sugery you will
go through a stessfull time trying to get another insurance company and it
will push tour WL success back. Hang in your job until you get the
surgery. You are close you are at pre-op testing next they will schedule
surgery. Try to stick it out cobra insurance means you will pay the entire
amount for the insurance premuim. Check with your employer this could be
$300 or more per month
— JerseyGirl
August 27, 2004
When you change jobs after your surgery you may have trouble getting
insured. No one will insure my husband or me since we are post-bariatric.
If where you are going to work at has a group-plan, then you are probably
safe--the group plans cant turn anyone down. But if you are looking to be
insured privately, you will be out of luck. I just had my surgery on
7/6/04 and my last day of work was 8/27/04 (group insurance plan). Hubby
had his surgery 2 1/2 years ago. I am going to work for a small company
that doesn't have a group plan, and my husband's work place doesn't offer a
group plan either. So, we searched and searched for a private insurance
that would cover us post-bariatric, and no one will. We are staying on my
COBRA insurance for 18 months (big bucks, but no other choice). Hubby may
be elligible for private insurance once he is 3 years post op, but I will
most likely need to go on some type of state coverage once the COBRA runs
out.
best wishes, and good luck
Diana
— deeno
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