Long story short, I need to have shoulder surgery towards the end of November and am being told it’s likely a 4-6 month recovery. So the surgery should be covered by my current health insurance company. Open Enrollment starts in a couple weeks at my job and my questions were:
Regardless of which direction I go with choosing my health insurance for 2022, am i correct that they will have to cover my physical therapy and follow ups relating to this surgery, even if I choose a new provider? Pretty positive this would be considered a pre existing condition and my understanding is they can’t deny you for that….but wanted to make sure I understood correctly. Knowing that I will have many months of therapy and follow ups (not to mention I also have back problems), would it be smart to “upgrade” my plan during open enrollment in a couple weeks? Pay a bit more to lower my copays and deductibles? Is there any reason why I can’t? Seems like a no brainer, but also seems pretty sneaky already knowing I’ll be putting it to good use….although the ridiculous health insurance world gets zero pity from me!
I also have to worry about my employer holding my job, as I believe they only have to for 3 months and the doctor made it sound like a 4 month recovery is on the low side….but don’t want to worry about that just yet!
Appreciate any help! Thanks all!
submitted by /u/PhantomX81
[link] [comments]Long story short, I need to have shoulder surgery towards the end of November and am being told it’s likely a 4-6 month recovery. So the surgery should be covered by my current health insurance company. Open Enrollment starts in a couple weeks at my job and my questions were: Regardless of which direction I go with choosing my health insurance for 2022, am i correct that they will have to cover my physical therapy and follow ups relating to this surgery, even if I choose a new provider? Pretty positive this would be considered a pre existing condition and my understanding is they can’t deny you for that….but wanted to make sure I understood correctly. Knowing that I will have many months of therapy and follow ups (not to mention I also have back problems), would it be smart to “upgrade” my plan during open enrollment in a couple weeks? Pay a bit more to lower my copays and deductibles? Is there any reason why I can’t? Seems like a no brainer, but also seems pretty sneaky already knowing I’ll be putting it to good use….although the ridiculous health insurance world gets zero pity from me! I also have to worry about my employer holding my job, as I believe they only have to for 3 months and the doctor made it sound like a 4 month recovery is on the low side….but don’t want to worry about that just yet! Appreciate any help! Thanks all! submitted by /u/PhantomX81 [link] [comments]Read Morer/HealthInsurance