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changing insurance...assurance

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  • changing insurance...assurance

    i know this has been discussed before about changing insurance and carrying the baggage with us and all the no pre-existing conditions, blah, blah, blah.... has anyone changed insurance recently after being treated and if so were there any hassles to do so. i maybe leaving my job for something else and was just wondering what i might be facing! thanks and i hope all is well with everyone. god bless. brian
    diagnosed 01/15/2005 bi-lateral seminoma stage IIa,4cm lymph node, right I/O & partial left I/O mar/2005, 18 days of radiation, remaining left I/O- aug/2005, surveillance, Wife did IVF oct/2005, DAD OF BABY GIRL born 08-02-2006!!! testosterone implants May 2008

  • #2
    I am in a similar situation ... have been with my employer for one year, but with the insurance company only since January (switched insurance from a different company during the one year period). If I change jobs now, does this create a pre-existing condition and hence a reason for the insurance company of the new employer to not cover further CT's etc. ? Can anybody please advise? Thanks.


    • #3
      I have changed jobs twice and insurance plans twice since I was diagnosed in Sept 2005 and have had no problems with coverage. I do have 3 years of coverage though with no lapse in coverage but the insurance I am on now didn't request proof because the policy does not have pre-existing clause. I will be changing insurance again in one month because I will be a full time employee with my new job and I can drop the COBRA. My soon to be new insurance does have a 12 month pre-existing clause but I can get a letter of coverage from my insurance company. I am going to compare coverages before I drop my my COBRA and if I feel that my COBRA is still better I will keep it since my current employer pays the premium on their insurance. If I can drop the COBRA I would save 5000 dollars a year but I am working for a top notch medical facility so I know the insurance is pretty good I think it is First Choice Health of Washington.
      Right I/O- 9/12/2005