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#53337 11-08-2007 04:09 PM | Joined: Jan 2007 Posts: 735 "Above & Beyond" Member (500+ posts) | OP  "Above & Beyond" Member (500+ posts)
Joined: Jan 2007 Posts: 735 | I just got a letter in my husbands Paycheck and found out that they are switching Ins carriers on DEC 1st ..does this affect me ? Will the New Company cover me ? or am I considered pre-exisiting ? RIght now I am cancer free but I see the specialist at least once a month and all that good stuff ..ughhhhhh one more thing to deal with !!!
Sharlee
35 year old Female Non smoker, very occasional alcohol ..Scc T1N0M0,partial glossectomy and left neck disection ,2/9/07 No rad deemed ness. 4/16 tonsillectomy ..Trimengenial Neuralga due to surgery
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#53338 11-08-2007 04:36 PM | Joined: May 2006 Posts: 720 Likes: 1 "Above & Beyond" Member (500+ posts) | | "Above & Beyond" Member (500+ posts)
Joined: May 2006 Posts: 720 Likes: 1 | Sharlee -- I'm no insurance expert, but if you have been continuously covered, the new company should pick you right up. (See the "HIPPA?" thread in this forum.) According to this US government site , which explains the Health Insurance Portability and Accountability Act (HIPAA), your only cause for concern would be if you had gone without insurance coverage for the 63 days (or more) before the new company picked you up. -- Leslie
Leslie
April 2006: Husband dx by dentist with leukoplakia on tongue. Oral surgeon's biopsy 4/28/06: Moderate dysplasia; pathology report warned of possible "skip effect." ENT's excisional biopsy (got it all) 5/31/06: SCC in situ/small bit superficially invasive. Early detection saves lives.
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#53339 11-08-2007 05:15 PM | Joined: May 2007 Posts: 16 Member | | Member
Joined: May 2007 Posts: 16 | Sharlee,
We went thru this too right after my husband was finished with his treatment. Check with the company but my understanding is most insurance companies will cover preexisting conditions. The new company took over with covering everything almost like the old one. We have had a few problems like they were to transfer all deductibles that we had met I had to call them several times because of that. You do have to keep an eye on your deductibles. My husband is on a peg tube and that was one of our problems as far as them covering it but once they found out that was his only nourishment they covered it. We do have a case manager so if I have problems I can contact her. Hope this helps.
CG to Larry 61, 1st Dx 8-18-06 TlNoMo SCC Right Lateral Tongue- second Dx 1-25-07 Right neck dissection-T1N1Mo. Treatment started 3-20-07 Radiation & Etyhol Finish 5-31-07
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#53340 11-09-2007 12:40 PM | Joined: Dec 2003 Posts: 2,606 Likes: 2 Patient Advocate (old timer, 2000 posts) | | Patient Advocate (old timer, 2000 posts)
Joined: Dec 2003 Posts: 2,606 Likes: 2 | Sharlee,
Your new insurance will pick up where the old insurance left off but you may have to switch doctors or pay more out of pocket. Check to see if you have a PPO plan or HMO since most are now one of those. Just like you did when started treatment, arm yourself with as much information as possible. Deductibles aren't usually carried from one policy to another but many policies will take deductibles in December and apply them to the new year.
Hang in there and remember all that you have already endured. This is less than a speck of sand in your shoe compared to everything else. Check specifically about the PPO in network portion soon and check on PET scans since many don't want to cover them unless they have to.
Ed
SCC Stage IV, BOT, T2N2bM0
Cisplatin/5FU x 3, 40 days radiation
Diagnosis 07/21/03 tx completed 10/08/03
Post Radiation Lower Motor Neuron Syndrome 3/08.
Cervical Spinal Stenosis 01/11
Cervical Myelitis 09/12
Thoracic Paraplegia 10/12
Dysautonomia 11/12
Hospice care 09/12-01/13.
COPD 01/14
Intermittent CHF 6/15
Feeding tube NPO 03/16
VFI 12/2016
ORN 12/2017
Cardiac Event 06/2018
Bilateral VFI 01/2021
Thoracotomy Bilobectomy 01/2022
Bilateral VFI 05/2022
Total Laryngectomy 01/2023
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