Insurance Question: Surgery while still on student insurance?

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GroverCat
Regular Member


Date Joined Mar 2013
Total Posts : 174
   Posted 9/11/2013 10:03 AM (GMT -6)   
Hi everyone,

Question for you: I will have student insurance through my university until this coming June, and then I'll have a year's gap in coverage between graduate programs where I will need to buy my own medical insurance... Should I try to squeeze in a procedure like LINX before the end of the school year and risk making my upcoming insurance hunt a royal pain and potentially vastly more expensive post-surgery, or should I wait it out until after, once I have secured another plan and know I will soon be covered again and back in school (and then hopefully employed with insurance thereafter)?

I'm really at a loss here. Advice welcome!

GC

stkitt
Elite Member


Date Joined Apr 2007
Total Posts : 32602
   Posted 9/11/2013 11:09 AM (GMT -6)   
 
I cannot answer that question for you however, checking with your policy holder to see if they cover the surgery may be the best way to go.  Most insurance companies operate differently depending what state you are from.
~~Kitt~~
Moderator: Anxiety, Osteoarthritis,
GERD/Heartburn and Heart/Cardiovascular Disease.



"She Stood in the Storm & When the Wind Did Not Blow Her Away, She Adjusted Her Sails."

opnwhl4
Veteran Member


Date Joined Dec 2008
Total Posts : 4961
   Posted 9/11/2013 11:13 AM (GMT -6)   
GC-

Since you say you are still in school. Are you 26 or younger, single, and in the US?

If so and your parents have insurance, you are covered under their policy.

Take care,
Bill
opnwhl4
Moderator: GERD/Heartburn, Kidney disease

Nissen 6/06 and 5/09
#3 8/24/11

GroverCat
Regular Member


Date Joined Mar 2013
Total Posts : 174
   Posted 9/11/2013 11:17 AM (GMT -6)   
Thanks, Bill. Sadly not. I'm a graduate student and have missed that cut-off by three years. I'm 29.

Pat Tall
Veteran Member


Date Joined Aug 2012
Total Posts : 950
   Posted 9/11/2013 11:52 AM (GMT -6)   
GroverCat.
Need to verify this, but under the Affordable Care Act-- effective January 1st. , insurers will no longer be able to reject people or charge higher rates because of pre existing conditions. And most plans won't be able to impose annual or lifetime caps on coverage. Also, everyone including young and healthy must have health insurance or face a penalty. Don't know if this would enter or help with your decision making but thought I'd mention it.

Also, I would definitely check with current insurance company to see if they would even pay for it. Previous forum members had insurance pay for all (within insurance limits) except they did NOT pay for the device itself. ( I'm still trying to figure their logic on that).

GroverCat
Regular Member


Date Joined Mar 2013
Total Posts : 174
   Posted 9/11/2013 11:59 AM (GMT -6)   
Yeah. Interesting logic on that one indeed.

Thanks for the info- I was wondering how that pre existing condition thing would come into play. I need to read some more about it to make sure there's not some loophole they can still use to charge me more... I'll look into my current insurance coverage and think it out.
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