Question:
If insurance changes through employment while appealing does old ins. cover you?

my husbands employer is up for open enrollment Aug. 1 2003 I spoke with the person that sells insurance to his company and asked her if our insurance is going to stay the same she told me she really dont know b/c bcbs fl premiums are getting really high.I am going to appeal with the insurance we have now and want to know if the ins. changes before appeal process is finished do they still have to cover me? I have bcbs fl ppo Thank You for any help...    — marie M. (posted on April 11, 2003)

April 11, 2003
If your husband's insurance changes, let's say September 1, then as of 9/1 you will be on the new policy and will no longer be covered under BCBS. They are only obligated to pay for claims incurred prior to the end of their contract. If you win your appeal, but your husband's insurance is changed prior to you having surgery, then BCBS is not obligated to pay, you will have to go through the insurance approval process with the new insurance company.
   — Debbie B.