• Afraid to take a new job and change insurance

    Asked by Healthy1 on Tuesday, October 2, 2012

    Afraid to take a new job and change insurance

    I am hoping that someone might have some advice to help me with my fears. I am 2 1/2 years out from a diagnosis of breast cancer, stage 1 but agressive cells, had chemo, radiation and on Tamoxifen. I have an opportunity to move to my dream location but I would have obviously have to change jobs. I would join an employer with group insurance but I am fearful about any insurance issues. I find myself thiking that maybe I should wait until my 5 year mark, although for breast, I know it can come back anytime. On the other hand, I want to LIVE!!! And this would completely improve my quality of life. Thank you for your thoughts.

    14 Answers from the Community

    14 answers
    • ticklingcancer's Avatar

      This is a tough one. Is the new company aware of your diagnosis? If so, it wouldn't hurt to ask them to let you review their insurance policy before you make your decision. Even if they don't know about your diagnosis I would think it would be ok to ask the same question. After all, insurance is very important when making a decision to switch jobs. If they want you bad enough, I'm willing to bet they wouldn't have any issues letting you review their policy.

      over 8 years ago
    • teddyfuzz's Avatar

      Hi Healthy1. The one thing that cancer has taught me is that you only get one chance - go for it! If your new job provides you with health insurance then you should be okay. Most group plans don't exclude pre-existing conditions the way that an individual policy would. I totally understand your concern about the insurance coverage but let's look at this a different way - what if you're not here in five years? Would you have rather lived those five years doing something that you enjoyed in your dream location or would you choose to keep your old job because you were afraid to change? Two years or five years...it makes no difference. If you listen to the little voice inside you'll know what the right decision is for you. *hugs*, Jamie

      over 8 years ago
    • leepenn's Avatar

      i would also say go for it.
      asking for the insurance policy information is cool... and i would very likely request that information... but i personally would not want to start a new job as a cancer person... i'd just want to be able to start the job in the dream location as a regular person... and... as you say... LIVE! reviewing the insurance information is a smart move, though. you definitely don't want to be caught... well... in a bad situation.

      over 8 years ago
    • nancyjac's Avatar

      I had cancer 20 years ago. About 14 years ago, I changed locations and jobs. I didn't have any problem with group health insurance but I was denied coverage for the long term disability insurance my employer provided because I had previously had cancer.

      over 8 years ago
    • abrub's Avatar

      If your new employer provides group insurance, ideally there won't be a problem. However, it would be worth checking with them about that first. For example, if it is a self-insured company, they could potentially refuse to cover anything cancer-related. However, in most cases, you should be fine.

      over 8 years ago
    • Nancebeth's Avatar

      I would say you should take the dream job. Quality of life is so important. And since the new health care regs, no insurer can deny you coverage for a pre-existing condition. I am in the same boat, although I haven't found a new job yet but am looking and if the right one comes along, I will take it.

      over 8 years ago
    • Blue's Avatar

      We have President Obama to thank for disallowing the pre-existing clause in health insurance. When does that kick in? I can understand your concern. Do you feel comfortable enough to talk with your new employer and perhaps an insurance rep. at your new company?

      over 8 years ago
    • ErinJ's Avatar

      Go for it!!!

      over 8 years ago
    • ruthieq's Avatar

      First Your company cannot by law ask you about your past health history, and you do not have to feel obligated to tell them. Secondly, Insurance companies soon cannot exclude you because of pre-existing conditions or refuse to cover same. Go for the dream location and job (get the job first:) ) and fight for your right for affordable health care...

      over 8 years ago
    • Lindy's Avatar

      I agree, new health care policies unfolding in the next few years...if you can be insured through the new job, if the rate is affordable, go for it. Live in love, make it an adventure.

      over 8 years ago
    • JMS's Avatar

      I assume you're worried about the pre-existing condition issue? It's my understanding that under the new health care bill, insurance companies must accept those with pre-existing conditions and that this group cannot be made to pay more for the coverage than those without pre-existing conditions. Given that the bill may change over the coming months or years, I might want to take advantage of the current situation and try to change sooner rather than later.
      I would also check with your projected/new employer to assure that their medical insurance takes advantage of the pre-existing condition issue. Hope this helps.

      over 8 years ago
    • karen1956's Avatar

      I left my job 2 1/2 years post DX and a year later started a new job....I am on my husband's health insurance so did not need to take the group insurance, but I think as long as its group insurance through an employer they have to cover you....All the best...

      over 8 years ago
    • BuckeyeShelby's Avatar

      I work. In the health insurance field. The key is a certificate of credible coverge. Which basicaly means you don't have more than. 63 day gap in coveraage. So get the COBRA if thedred is a gap between old coverage & new.

      over 8 years ago
    • jama's Avatar

      I agree with the go for it. Don't forget there is a federal law that if you have had 3 months of continuous coverage, you submit a form and they can't do pre-existing conditions. My husband lost his job just before radiation and my insurance had to pick everything up. Yeah

      over 8 years ago

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