Hi. Need opinions please

[ktaylor 0]

I started the Quest for my lapband in August 08. I have Aetna Insurance and went through all the 3 month required visits, etc.... In december I found out I was approved. I have my surgery scheduled for 02/26/09. But, here is my dilemma. During the approval process my husband was laid off from his job. He received a severance package so I am still approved and fully covered until 03/27/09 at which time we will have to switch insurance companies. My concerns are what if I have complications after 03/27/2009? It is likely my new insurance company will consider it pre-existing. So, had anyone ever had this problem or have any of you done the surgery with no coverage? I was so excited to get this done, but now I am having serious doubts. Any thoughts or suggestions would be much appreciated.

[RestlessMonkey 7]

This is true in Texas, I don't know if it's national. If you are covered under insurance and then change, it's as if there was total continuity of coverage. So no pre-existing, no waitiing for ins. to "kick in" etc. AND if he was laid off you can KEEP his coverage (Federal law) but you have to pay the cost of it.

[DanaM 0]

Restless Monkey is right! I had the same thing happen to me and I was covered.

[ktaylor 0]

Thank you both so much for the info. I am in texas, and I had read that, but having just started to look for new coverage have not verifed yet. We do have the option of COBRA.....but we would need to win the lottery first

[RestlessMonkey 7]

I hope you find coverage you like and can afford. I know of some who've looked for private coverage and because they are obese, can't find it. Insurance is really tough.

Hopefully some options will open up for you!