Changing jobs/insurance--how long after surgery is safe?

[Tootles1975 59]

I'm in pre-op stages and hope to have surgery in late October/early November possibly. I'm on my husband's insurance plan (Blue Chip/MA), which is much better/cheaper than my own company's insurance. However, he'd really like to change jobs early next year. After the surgery is done and insurance has paid for the bulk of it, I can't really see this being a problem. Obviously I'll have to see if my surgeon is on the new plan, but just from a surgery coverage perspective, anyone see any problems with changing after it's all done?

[Spring Dixie 53]

Just subbing in on this because I'm curious, not that I plan on leaving my job anytime soon. But I wonder how the new healthcare laws and the no exculsions on pre-existing condtions will play into things like this.

[mbrwlkr 1]

Did anyone find out any info? I'm losing my insurance after a few months due to me turning 26.

[Jersrose43 837]

As an insurance professional You need to check couple things with new carrier

1- do they cover wls? If not they can deny all future care as related to a non covered service. that means complications, follow ups and re surgeries etc

2- they cover wls great - now what happens if I need a revision - do you cover 1 per lifetime and since I already had my 1 paid for by someone else - you won't pay ever again?

3- you cover wls, you're great no issues in future will cause me problems - but my surgeon is not in your network and I need to see him 4-5 times for first year. Sooooo what is your transitional care program look like and how do I apply.

Transition care is a limited time plan where your surgeon will be paid as in network - your surgeon must also agree - and you won't get denied for out of network or have high out of pocket.

[Jersrose43 837]

Just subbing in on this because I'm curious, not that I plan on leaving my job anytime soon. But I wonder how the new healthcare laws and the no exculsions on pre-existing condtions will play into things like this.

Pre existing should not be applicable

[Jersrose43 837]

Did anyone find out any info? I'm losing my insurance after a few months due to me turning 26.

Since you are getting off your parents plan, please go now to your states insurance exchange and see what offerings are available. Those will be the same throughout 2015 and you can begin preparing for what you will have when you lose your parents coverage.

Also find out if your parents coverage will offer you cobra or continuation of care. You will be required to pay 100% premium costs but may apply. This would allow you to keep your current coverage at least through the surgical period