Switching Jobs - Health Insurance Coverage
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Anonymous
| I have an opportunity to work for a new company. My primary concern though is that my daughter (less than one years old) has a rare condition that will require surgery in the next couple of months. If I switch jobs, and therefore health insurance providers, could this impact her coverage for this operation? |
Anonymous
| They can't refuse to cover it as a pre-existing condition, but my understanding (at least pre-ACA/Obamacare) is that different plans can/will have different coverages (so just because your current plan covers treatment doesn't mean your new plan will cover treatment the same way). |
Anonymous
| Make sure you have continuous coverage. They can't refuse to pay if you do not have a gap in your insurance. I think a gap of 30-60 days is ok. |
Anonymous
| Under COBRA, you can stay in your current employer's plan for one year after you leave. you'll have to pay the full premium, but beats buying an operation. |