Health Insurance - can you be double insured?

So when does previous condition rule take effect in AHCA? If your new will take preexisting, then I would do... because that would mean you could do it again later.

I do understand your concerns. You may keep both and that might be the right decision... but just another point... co-insurance is a nightmare. All they do is fight back in forth over who is responsible to pay and what percentage meanwhile your bills do not get paid and you get taken to collections. It's really bad.

No expert ---  but if you have continuing uninterrupted coverage, the new insurance company generally covers pre-existing conditions and there is no waiting period.   Check your policy of course.

Congrats on the full time gig.  Good news.   Funny how getting laid off leaves that little kernel of "oh sh** that can happen again" in your brain.  Still have mine 4 years later.

I THINK it takes effect next year, or 2014.  It's only in place for 19yr old and younger right now.  I had to learn the hard way when I lost my insurance when my last company basically closed and had a pre-existing condition (didn't know it was cancer yet - just a lump on my thyroid.)

Finally got coverage but had to jump through hoops and it was uber expensive.  But now that I have it and I'm fully covered, don't want to risk losing it.

It sure would be nice to drop both mine, and my wife's self insurance policies.  we probably pay 600 a month, and that would drop to 30 bucks a month to get on the work plan...  But it's only worth it if they cover EVERYTHING.  Hell that's almost 6k a year.

Yeah, that's the rub.  I was without it for 8 months.

I'm HOPING, that they see I'm covered 100% right now, can cofirm that, and the new insurance covers me 100%.  If they do, I could at LEAST go back to cobra and keep coverage if I get laid off.

But if I don't, I don't want to have to go through the PCIP (pre existing condition insurance program) again.  It's not THAT tough.  6 months unemployed, proof of pre exisiting condition, and refusal to be covered by an insurance company, and proof you are a citizen.

But I tell you what - waiting 6 months to get coverage, when you KNOW you have cancer in you that the doctors are saying you need surgery to get rid of?  Stressfull times.  Good thing, thyroid cancer is super easy to cure and slow growing, so all the doctors said I can wait for a while to get it taken care of, but you don't want it in you, you know?

It's really going to take some time with your HR and talking to your new insurance what is covered.Don't forget though, as far as future worries... if you were to loose your job, you still have COBRA. Yes it is expensive, but I doubt any more than what you are paying now. Usually it isn't an option for most, but you know what you have been through and what the costs are so it just might make sense if that was to happen. So you would still be covered if your employment status changes.

... I think... I'm no expert, just throwing out suggestions. I myself would have to see it all in writing.

The uninterrupted part doesn't mean all your life, I think it may mean for the last 6/8/12 months, whatever it is.  Just because you had a gap in the past doesn't necessarily mean you dont' have coverage.  They mean the immediately prior policy

Yeah, I'm falling into the trap of thinking/worrying before knowing all the information.  It may not be an issue.  I just need to see what the new policy covers.  I'm sure they will ask me health questions and I will of course divulge everything (except that one time after the night in tijauna - doctor said the intibiotics will take care of everything  ).

I may take an extra step and talk to our insurance rep and as suggested, try to get something in writing.

Oh, as a side note.  I think it's FIVE years for cancer before they say it's an old condition and they can cover me again for it.  That sucks.  I think for a lot of other things, it's just 12 months.  After that, they have to pay.