Changing Insurance

[LeighAnneF 98]

I am looking for some advice or guidance. I currently have insurance through my employer, but they have fully excluded any and all WLS. My husbands employer on the other hand covers WLS. His open enrollment is now and I checked the exclusions and pre existing conditions clauses and I pass both of those obstacles. I even called his insurance provider and verified the surgeons I have chosen (but have not had any appt's with yet) are in network. I want to make sure I have checked everything. Is there anything else I should check before I move forward with changing to his insurance. It costs so much more money than mine, but would be soooooo worth it.

[woo woo 872]

I am assuming you did the math to ensure that your added premiums aren't more than what you could get the procedure done for as a self-pay?

Unlikely, but you seemed to indicate that they are really high so I just thought I would throw that out there.

[LeighAnneF 98]

Thank you, yes. We did check that as well.

[Beach Lover 1,084]

If the coverage is equal or better than I would say it's a no brainer! The next year do you have the option of going back to your work insurance or will it have to be a life altering event in order to do it? If you didn't check that out you might want to.

[LeighAnneF 98]

Yes, I did ask my hr that as well. at any open enrollment period, which is very March, I can re-enroll again. I think I have covered all my bases with his insurance. We are going for it. It's not in effect until January 1st, So that is what I am looking forward to. That is when I will really begin my journey hopefully.

[nurse4kids 1]

Totally understand! I also have to change insurances an won't be able to do anything until after Jan 1st. Very frustrating!