Insurance Dilemma - Advice Needed Please!

Hi and thank you for taking the time to respond to my question. I currently have CIGNA-HMO through my husbands employer and have been denied, I have already submitted my first appeal, now waiting...... My dilemma is this; my husband may be switching jobs very soon and I may be loosing my current insurance and not really sure what type if any the next position will offer. I'm wondering if someone can help me to understand how the insurance works if he leaves this company (with notice of course). Can we continue with CIGNA if we pay premiums or do we automatically go into cobra and how will this affect my appeal process or surgery in general? Can anyone please explain this to me or help to understand how it works. Thanks in advance for any advice I may receive... God Bless, Vikki

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