Insurance - blah blah blah ....

My COBRA is going to be up soon and my new job will be offering me some new plans. This stuff is way too confusing. Would I be considered as having a pre-existing condition even though I have a jpouch? Should I be going for the bigger plans with hospital coverage instead of the cheaper plans and gigantor deductibles? I mean, I am prolly more prone to be back in the hospital more than most people at my place. Insurance really sux! PPO, EPO?? I mean what the!!!???

Usually, as long as you haven't had a lapse in coverage, it would NOT be considered pre-existing.

I triple what Ohio said...
As long as you have a Certificate of Coverage and no lapse it should not be considered pre-existing. However, it is so confusing who really knows so you better some serious research and not let the Cobra lapse before the new one kicks in -- because then you will be in a world of hurt trying to get insurance.

If you meet your deductible on your current insurance, then switch to another, does the deductible carry over to a new insurance? Or do you have to start over?

With "Obamacare" pre-existing conditions are not supposed to affect you so much in the future.

I was fortunate when I lost my job I had medical insurance extended for 3 months. Then I got a job that allowed me to choose Kaiser again - which is an HMO.

When I graduated from college and couldn't be under my parent's plan I had to get "basic" insurance. I think I had a higher deductible. No hospital visits but I definitely hit the doctor's office multiple times.

Better be safe than sorry.