gnelson,
As far as pre-existing conditions go, when Heather was still alive, her husband was considering changing jobs, but was concerned Heather would be denied coverage. So I checked and found that in PA, insurance companies are not allowed to use a pre-existing condition to deny coverage. I was told, however, that some companies will try to deny benefits anyway, so you have to be prepared to fight sometimes.

He didn't change jobs, so I can't say for sure that this is true, but the information came from Heather's case manager at Keystone Health Plan. Also, the agent for his prospective employer's insurance plan said the same thing, so I'm fairly confident that it is correct.

Rainbows & hugs, wink
Rosie

Was primary caregiver to my daughter Heather who had stage IV base of tongue SCC w/ primary recurrence. Original diagnosis August 21st, 2002. Primary recurrence March 18th, 2003. Died October 6th, 2003.