Good morning beautiful ladies 🌹❤️
Sorry to bother you again but I have a doubt
I am under the medical insurance of my husband's work, how should we treat and when the subject of my Metastasis before the possibility of changing jobs?
If it is a “chronic” disease, will I be accepted by another insurance in a new job or not?
With whom in the interview process should you be told about this situation?
Or should you never change jobs?
Many affections for all 🌺🎀
If you go to a new company with group insurance, you will automatically be accepted. I’m not sure I would tell anyone unless the chronic condition will impede your ability to do your job.
I agree.
Most times pre existing conditions are not covered (at least here in UK). I would be very wary of your husband changing jobs in case you can't get treatment.
Yes I know. I worry
Didn’t mean to sound neg but sometimes it is better the devil you know x
There must be some group or advocate group that could easily answer your question if your husband changed jobs, could his new health insurance deny your coverage for a preexisting condition? I can't imagine how they could bc they can't here in the US. Doesn't seem fair that your husband would not be able to change jobs bc of your cancer. I would check into that. There must be an office you can call to find out.
Wow, I didn't know that. That is not good health insurance at all. Here in US, you cannot be denied because of a preexisting condition. We may pay a bit more but it is worth it because we can easily switch oncos, go for second opinions, get tests easily approved. It seems people's options are so limited with that kind of health care. I read a story of a young girl in Canada who was severely depressed and tried to get hit and admitted to a mental health clinic. They told her she would need to wait a FULL YEAR before she could get in or get the help she knew she needed. She committed suicide two weeks later. In US, she would have gotten the help she needed immediately especially since she herself was aware. I found that awful that they told her she had to wait a year. She was like only 19 years old.
Where do you live? Is it your husband who is changing jobs? If he is covered under group insurance in the US you should be fine. Same thing for you. Otherwise it can get problematic.
Hi 🌺 we live in Houston , Tx Yes my husband want change job for one pay more Yes. We are covered under group
Your husband could ask if there are any exclusions when joking the group insurance. Usually there is not and you should be ok
Oops I meant joining!
I would not worry. In US we are protected from "preexisting conditions" which was passed while Obama was in office. Your husband does not and is not legally forced to reveal that you have advanced cancer. I would not worry about your husband changing jobs. If group policy, legally, they cannot deny you coverage or treatment. Why, I think the US medical care is better, albeit a more expensive, than treatment in other countries with all the restrictions.
In the US we are still protected by pre-existing conditions. Originally passed by the Obama administration the current administration has not been able to remove that protection. So you should not experience any issues in changing insurance other than different policies and possibly co-payments etc. Also please note that in the US you are not required to disclose information about either your or your husband’s health. My personal policy is to give as little information as possible. You can imagine if a woman comes to an interview with a baby bump, no one interviewing her is permitted to ask her if she is pregnant. Quite honestly that could result in a large lawsuit. Your husband may undergo a company physical which is normal for the employee only. If you Google search pre-existing conditions you will find plenty of information. Good luck 💜
Thank you
I am trying to figure out how to create a new topic under this MBC branch of this forum board. I cannot figure out how. Can you tell me?
Want you a new post ?
I figured it out (LOL) it took me a while and I posted it. It's an experience I had with someone I loved about life after death. I hope people can see it. I hope and think I put in this MBC section.
Hmmm...do the moderators review first? I created the post Called Life after Death. My personal experience as the topic but now I can't see it. Let me know if you can. God knows where it ended up then. I wanted it to be in this group.
Let me just correct myself, your husband may have a questionnaire to complete about his own health but I have never heard of having to answer for family members health.
When I was working and always in NY law firms, and I changed jobs alot, I never had to fill out a questionnaire when starting a new job with medical insurance. Never once.
Agree kearnan neither have I. Perhaps I should have been more my clear. It is general health questionnaires that I have filled out during pre-employment physicals. Nothing related to the health insurer or shared with them.
I do not know what type of work you do but I worked as a legal assistant my entire working career and only once did one firm drug test me and that was it. Never had any type of pre-employment physicals, although not needed for the type of work I did. I guess it depends on what people do and some companies will need to test, etc.
My friend is a VP of Human Resources for a large corporation. When I was first diagnosed I worried about what I should say to my manager. She told me NO ONE is allowed to ask me what my medical condition is at work and they (HR) especially do not want to know because it’s against the law and they don’t want a lawsuit on their hands. I.E. if I get laid off, etc, I could sue the company for discrimination of my health.
My own company HR and bosses also told me the same.... which is they do not need to know the details. I just had to fill out the leave of absence form which was handled by a third party.
Agree. I’ve been advised the same. I was VP of research in several large Fortune 500 companies and we were always trained by HR to manage potentially sensitive topics such as health condition. Good information 👍
As long as there is no lapse of coverage between the 2 insurance policies you should be fine. It should only fall into the "pre-existing category if there is a gap between policies.
Lisa
If you are in US, no.
"Can you be denied health insurance if you have cancer?
Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer. They cannot limit benefits for that condition either. Once you have insurance, they can't refuse to cover treatment for your pre-existing condition."
I am referring to your husband's new medical insurance if if he planning on switching jobs. If it is you switching jobs, there may be an issue because you will need time off, need to come in late or leave early, etc.
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