figner
Recycles dryer sheets
My employer recently decided to stop offering my particular group health insurance plan which I've been on for several years. Instead, employees are being offered a different set of group plans which are significantly more expensive. Since my current plan is an HMO, I will not be able to continue seeing any of my current doctors if I change to a new plan.
So, I'm considering applying for an individual policy with my current HMO instead of going with the new employer group plan. I'm about 40YO, no major health issues in the last 5 years. However, about 6 years ago I had major surgery for a condition which needs to be monitored with lab tests and MRIs annually. Not sure if this would cause my application to be rejected, given that most of the questions on the app ask about treatments within the past 5 years only.
Pros of getting an individual policy:
Any thoughts and comments on this welcome.
So, I'm considering applying for an individual policy with my current HMO instead of going with the new employer group plan. I'm about 40YO, no major health issues in the last 5 years. However, about 6 years ago I had major surgery for a condition which needs to be monitored with lab tests and MRIs annually. Not sure if this would cause my application to be rejected, given that most of the questions on the app ask about treatments within the past 5 years only.
Pros of getting an individual policy:
- No longer dependent on work to provide HI, especially if I want to ER in a few years.
- Can continue to see my current doctors who are familiar with my medical history.
- I would no longer be HIPAA eligible, in case I develop a serious pre-existing condition and need to apply for HI again sometime in the future (for instance, moving across state lines where I need to change HI providers again).
- Still costs more than the group plan, but is currently affordable.
Any thoughts and comments on this welcome.
Last edited: