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Thread: Question: If new employer/new insurance provider. . .

  1. #1
    Join Date
    Jun 2009
    Posts
    311

    Question: If new employer/new insurance provider. . .

    My husband might want to change his job venue (he was in a multi-specialty clinic that was bought by a hospital last year - what was an enjoyable work day is now a constant headache). If he joins another group, or goes independent, we'll have an insurance provider change. With my history, will other insurance companies insure me without a "previous condition" clause for my back? I still have several years till Medicare, and obviously we don't want to put me in a bad situation when it comes to future surgical care I might need.
    Fused T-3 to L-3, Aug 25
    Hardware removal surgery, Nov 2, 2010
    Fused T-10 to L-2, osteotomy, Feb 22, 2011

  2. #2
    Join Date
    Sep 2003
    Location
    Northern California
    Posts
    6,244
    I believe that group policies cannot pick and choose which employees they'll insure, so you shouldn't have any issue.
    Never argue with an idiot. They always drag you down to their level, and then they beat you with experience. --Dilbert
    I'm sarcastic... what's your super power? --Unknown
    ---------------------------------------------------------------------------------------------------------------------------------------------------
    Surgery 2/10/93 A/P fusion T4-L3
    Surgery 1/20/11 A/P fusion L2-sacrum w/pelvic fixation

  3. #3
    Join Date
    Sep 2003
    Location
    NJ
    Posts
    1,287

    Lightbulb The latest info on insurance for pre-existing condition coverage.

    http://www.healthcare.gov/law/provis...ing/index.html


    Linda is right. If a person transfers from one group plan to another group then pre-existing condition consideration by the insurance company does not occur. There have been problems in the past when a person allows insurance to lapse between jobs.

    The above link gives the up-to-date info on the timeline of the new law --provided certain political groups don't repeal it.

    I read recently, under the old system, of a lady with a mild pre-existing condition who could not buy insurance anywhere for any price--and she could afford the premiums.
    Original scoliosis surgery 1956 T-4 to L-2 ~100 degree thoracic (triple)curves at age 14. NO hardware-lost correction.
    Anterior/posterior revision T-4 to Sacrum in 2002, age 60, by Dr. Boachie-Adjei @Hospital for Special Surgery, NY = 50% correction

  4. #4
    Join Date
    Aug 2004
    Location
    ny
    Posts
    1,748
    I agree that group policies cannot pick and choose who they cover (such as those with pre-existing conditions), except perhaps when the insurance has lapsed for a period of time.

    In the time that my son was diagnosed with scoliosis - about ten years ago - we have had several different insurance carriers either due to a change of jobs or because my husband's employer switched carriers - and the subject of my son's scoliosis never even came up.

    Hopefully, this will not be something you will need to worry about :-)
    mariaf305@yahoo.com
    Mom to David, age 15, braced June 2000 to March 2004
    Vertebral Body Stapling 3/10/04 for 40 degree curve (currently holding around 26 degrees)
    Under care of Dr. Randal Betz since 2004

    Also mom to Nicole (22) and Danny (25)

    Link to VBS Website: www.vertebralstapling.com

    Janet Cerrone, PA to Dr. Betz janetcerrone@spineandscoliosis.com or (609) 912-1500

  5. #5
    Join Date
    Jun 2009
    Posts
    311
    Thank you all, very much!
    Fused T-3 to L-3, Aug 25
    Hardware removal surgery, Nov 2, 2010
    Fused T-10 to L-2, osteotomy, Feb 22, 2011

  6. #6
    Join Date
    Oct 2008
    Posts
    299
    For what it's worth, and every insurer is different, when my daughter was first diagnosed we were in the midst of changing from a group/corporate policy to basically an independent policy (HORROR!)--a partnership of 2 people, with families. We disclosed the scoli diagnosis on the form, and the degree, and indicated we were in the process of determining if treatment was necessary--she hadn't seen a specialist yet and we had no idea what was in store, and thankfully things have turned out well for us so far. BUT we were very worried about being declined. It passed without an eyeflutter from the insurer.
    mamandcrm

    G diagnosed 6/08 at almost 7 with 25*
    Providence night brace, increased to 35*
    Rigo-Cheneau brace full-time 12/08-4/10
    14* at 10/09 OOB x-ray
    11* at 4/10 OOB x-ray
    Wearing R-C part-time since 4/10
    latest OOB xray 5/14 13*
    currently going on 13 yrs old

    I no longer participate in this forum though I will update signature from time to time with status

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