Help, please - dh's insurance changing!

[Guest guest]

Hi All,

What, if anything, have you done to prepare for an insurance change? The school where my husband teaches is changing insurance companies for their employees effective may 1st. They JUST told us. What do you do? How do you manage to get continuing health care?

I've spent so much energy and time fighting the first insurance company and we won - we got a case manager and we got some of Asher's med's approved and our mito doc who is in Boston (we're in Florida) is approved in network and, finally, I think Asher's docs are beginning to know him.... AND now we have to start all over again.

In the meantime, Asher's in a downward spiral from a recent cecostomy surgery. We are expecting that we will have to go back to Boston for a conversion from the cecostomy to the colosotmy. Asher is also on a pump for nighttime feeds... all of this done through insurance.

Any help is appreciated,

Anne R

[Guest guest]

It should not be much of a problem as long as the companies are somewhat similar. There is a law that as long as there is not a three month, or longer, lap in coverage they cannot apply any pre existing conditions. We just switched at the beginning of the year and have had no major problems. Our only thing is Gracies speech therapist is no longer "in network", but we have a secondary waivier that covers anything related to mito, that is not fully covered by insurance.

Best wishes

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[Guest guest]

Hi Anne....I am SO sorry to hear Asher is having so much trouble right

now!!!

Unfortunatly, its not always an easy transition from one insurance to

another. While they won't consider anything pre-existing, the new

one may not cover what the old one did. We just went through this

last April and it took me a year to get things even remotely back to where

they were before making the change. Its been a head ache.

One thing I would recommend before the change happens is to see if the

new insurance has a pre-enrollment line. Here you can check into

things like whether Dr. Korson is going to be covered and some of the other

really imperitive things. You'll likely have to wait till the new

policy goes into affect to get a case manager, but be on the phone with

them as soon as the effective date is there asking for this. Hopefully

the case manager will be able to help over any rough spots.

In all honesty, we've made insurance changes a ton of times since the

kids started having issues, and while always a challenge to some extent,

it has always been a relatively smooth process till this last one.

This last one though has been HORRID and I am scared to death to have to

change again any time soon. DH is potentially being offered a permanent

position at the company he's been freelancing for and I care more about

the insurance than how much he might be making!! LOL

Hoping and praying the transition goes smoothly hun and sending many

many prayers for Asher.

-- BIG hugs,

Kass, proud mom to Chance(11-Mito), Madison(8-Mito),

and Abby(7-Mito)

"Life is not measured by the breaths we take, but by the moments

that take our breath away" Unknown

AReckling@... wrote:

Hi All,

What, if anything, have you done to

prepare for an insurance change? The school where my husband teaches is

changing insurance companies for their employees effective may 1st. They

JUST told us. What do you do? How do you manage to get continuing health

care?

I've spent so much energy and time

fighting the first insurance company and we won - we got a case manager

and we got some of Asher's med's approved and our mito doc who is in Boston

(we're in Florida) is approved in network and, finally, I think Asher's

docs are beginning to know him.... AND now we have to start all over again.

In the meantime, Asher's in a downward

spiral from a recent cecostomy surgery. We are expecting that we will have

to go back to Boston for a conversion from the cecostomy to the colosotmy.

Asher is also on a pump for nighttime feeds... all of this done through

insurance.

Any help is appreciated,

Anne R