Re: FW: Insurance info
Amy Thropp (athropp(AT)mindspring.com)
Thu, 05 Jun 1997 12:03:10 -0400
At 08:49 AM 6/5/97 -0700, you wrote:
>Barbara In the last few sentences of your message, you asked about
>changing employers and pre-exisiting limitations. Three years ago I was
>laid off, and I was really worried about insurance coverage from a new
>employer. I didn't have myelitis then, but did have breast cancer a few
>years before. When I interviewed with my current employer (Octel
>Communications) I asked the HR person about pre-existing limitations.
>This company does not have any such limitation, which was a great
>relief. My husband's last job also did not have the limitation. We are
>both in the computer industry, and work in Silicon Valley. Right now
>the economy here is booming, and companies are in fierce competition for
>the employees with the right background. Having really good benefits is
>one way they attract new employees.
>
>Just an aside - the company you work for has control of what kind of
>insurance coverage you get. All the big insurance carriers carry a
>range of coverages. If you are leaving a company to be self-employed,
>COBRA is probably the best bet.......
The only problem is COBRA runs out after 18 months (at least mine does).
I'm very nervous because we have been on COBRA for 12 months already and we
are going to have to make a change in a few months. I'm currently working
as a consultant, but I'm going to full-time soon. I hope my new employer's
plan does not have a pre-exisisting condition problem, as Steve is also a
consultant and does not have his own insurance. He's always been covered by
mine.
Amy