Any insurance issues with a job change?

linn56 · November 2009

My husband will be changing jobs soon. I am self-employed so we are both covered under his company group policy. He is starting the new job Dec 20, at which time coverage from the old company ends. Insurance for the new job starts as of Jan 1, so we are going on Cobra for the interim.

I had 2 lumpectomies and am mostly through radiation at this point, finishing around Dec 3. I will have Tamoxifen starting...not sure when (Jan? ): and will have plenty of followup appointments, I'm sure.

I am wondering if anyone else has had this insurance transition situation, and if you had any problems. I know there is a supposed to be a law coving this situation, that you can't fail to be covered for a pre-existing condition, if the insurance change is due to a job change. But I'm wondering if, in practice, insurance companies try to weasel out of it in some way.

hbowser · November 2009

Linn,

Depending on the type of insurance you have and if you pay any of the premiums, you may be covered through the end of December from your husband's old company. At my company, if someone resigns at the beginning of the month, we will deduct the full month's premiums from their last pay to cover their benefits through the end of the month. Unless, he leaves before December, I would double check with your hurman resources department to see if you're covered. Also, if you need to go on COBRA, remember the new law that was put in place in 2009 to lower your COBRA payment. Sorry, I am not sure about the pre-existing condition part. Since you will be only taking Tamoxifen (prescription), prescription plans are different than medical procedures. I hoped I helped a little. Good luck.

Holly

Any insurance issues with a job change?

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