Post op insurance question

[Guest guest]

My husband and I are planning on moving out of state. He wants to

start working freelance and when he does this, we will be responsible

for getting our own insurance. Has anyone out there gotten insurance

after having surgery? Do I have to pay the super high premiums

because of my previous surgery? Does anyone have experience with

this? I need some advice.

Thanks

Machelle

Surgery 5-8-01

Down 75 lbs

[Guest guest]

,

For the time being you should select COABRA coverage, as this will

allow you 18 months extension on your current insurance. You will

have to pay the premiums, but they should only be a little higher

(10%) than what your current employer is paying.

After that you should be able to convert your group plan to an

individual plan. At that point your premiums will go up

substantially and your coverage will get worse. As long as you keep

your coverage continous, you will not have problems being denied

coverage based on health.

Hull

> My husband and I are planning on moving out of state. He wants to

> start working freelance and when he does this, we will be

responsible

> for getting our own insurance. Has anyone out there gotten

insurance

> after having surgery? Do I have to pay the super high premiums

> because of my previous surgery? Does anyone have experience with

> this? I need some advice.

>

> Thanks

>

> Machelle

> Surgery 5-8-01

> Down 75 lbs