Question:
CalPers Members

It is currently open enrollment period for state employees. Choices that I can afford include BlueShield Access+ HMO and Kaiser. I must switch from Health Net who has already approved my surgery. Dr. Wolfe cannot fit me in for surgery before end of the year when new insurance takes effect. Which would be more likely to cover the surgery, Kaiser or Blue Shield Access+ HMO - in Sacramento, CA?    — Cindy J. (posted on August 6, 2002)

August 8, 2002
You need to speak with your Human Resource/ Benefit person. They should have the information on what your insurance coverage will be including exclusions and riders. Remember, insurance companies will cover anything as long as someone (usually employers) pay the premium. If it wasn't an exclusion with your current plan than maybe they kept it for your new plan options. But only your HR Benefit person will be able to confirm that. Also can your doctor keep you on a cancellation list and maybe you can get it before the end of the year? Good Luck!!
   — LisaTaz