I was hurt in an accident 3+ years ago. After a couple rounds of PT and 10 ESIs, my Dr. has suggested a two-level ALIF (L4-L5-S1). I was planning to have this done in early January (I meet with the Dr. again in two weeks to review a new MRI and to talk about specifics and scheduling).
Today at work, they announced that our group health insurance carrier is raising its rates for 2009, so my company has decided to drop that carrier and we'll be under some different insurance plan as of 01/01/09. (No idea which company it may be yet.) I'm worried how this may affect the surgery. Does anyone here have experience with this sort of thing? Two things worry me:
1. I *hope* that the new insurer couldn't exclude the surgery as a pre-existing condition, since I have had other insurance all this time and am only switching now b/c of my employer. Should the new insurance company still cover the surgery?
2. If the new company requires preapproval before surgery, how long does that take? Will I need to hold off on the surgery until later so the company has time to say yes or no on it? I wanted to have it during the first week in January.
I've never had problems with the previous insurer paying for PT, ESIs, etc. Changing carriers right before going under the knife has me pretty anxious.
Thanks for any insights you can give!
p.s. This is in the U.S.