Paranoid about Big Brother Insurance Companies

[Guest guest]

Hello,

I have been reading a lot and now have an insurance question.

I have insurance through my husband's work, I am currently

self-employed. I was thinking of going full time at a job but would

decline their insurance, because whenever you get your own insurance,

it becomes your primary and they automatically the ones you have to

use. This particular employer's plan is not WLS-DS friendly plus

even if I could get it, I'd pay a lot more.

So, not to be TOO paranoid (from everything I've read, how can one BE

too paraoid??) -- does anyone know out there if insurance co's could

use the fact I declined insurance at my new job against me?? At this

point I have told them I may want to continue contract for now, just

because of this, but some think I'm being silly because I would not

get disability, and all theother important benefits. First and

foremost I need and want this surgery!!