Lost health care/ new plan.Can I be denied reconstruct

Debe, I'm not an expert, but I believe that reconstruction is covered under the ACA, so all insurers have to offer it under the law. So you will have your reconstruction covered. Where it could get sticky is if the new insurer (if in fact you have a new insurer rather than the one you had previously) resets your deductible/out of pocket to zero. I think you will have to see whether you have a new insurance company or the one you had previously, and then ask the question. There also is a provision under the law for those who have to switch insurance while dealing with a serious illness--I believe you have the right to be grandfathered under your old health plan for 60 days. Good luck! Let us know what happens.

Even prior to ACA, when a plan allowed for mastectomy, it had to provide reconstruction benefits and not try to deny by classifying it as elective cosmetic surgery. We can thank our foremothers for that law.

The 60 day interval may not apply if there was a break in coverage, however it sounds like the employer was the party that neglected their responsibility. They're probably too small to have a human relations or personnel department to help resolve this. Did you call the insurance company to ask about immediate reinstatement?

Find out whether there is any policy you qualify for right now. Something catastrophic (car accident, etc) could happen next week. It's not a good idea to be "going bare" even when it's not your fault!