I am considering changing jobs and have a concern regarding insurance. I have found out my son may be a candidate for some pretty serious surgury regarding brain and spinal column issues - something he has had since birth but we just found out about it. He is supposed to just lead a normal life, but if more problems come up the next step will be surgery to correct the issues. I assume this will be very expensive and insurance will be a priority for me.
I currently have good family insurance, but am considering many options from a career perspective, including working for myself on a few projects and/or part time employment and freelancing, or just taking a new job of some sort that would have good insurance.
My question is this - what are the legal/medical insurance ramifications regarding this situation? If I switch jobs, carry current insurance over via Cobra until I get new company insurance would his operation be paid for or would it be a pre-existing condition situation. And if I work for myself and take on self-pay insurance policy of some kind, what would the situation be there - there would be no lapse in some kind of insurance, just a different company, most likely.
I really don't know much about the insurance game, and I cannot afford to make any mistakes when dealing with issues at this level. I appreciate any feedback from anyone in the business, or has had experiences of this nature. Thanks a lot.
I currently have good family insurance, but am considering many options from a career perspective, including working for myself on a few projects and/or part time employment and freelancing, or just taking a new job of some sort that would have good insurance.
My question is this - what are the legal/medical insurance ramifications regarding this situation? If I switch jobs, carry current insurance over via Cobra until I get new company insurance would his operation be paid for or would it be a pre-existing condition situation. And if I work for myself and take on self-pay insurance policy of some kind, what would the situation be there - there would be no lapse in some kind of insurance, just a different company, most likely.
I really don't know much about the insurance game, and I cannot afford to make any mistakes when dealing with issues at this level. I appreciate any feedback from anyone in the business, or has had experiences of this nature. Thanks a lot.