Can you change insurance plans after an injury is partially diagnosed?
February 4, 2013 8:21 AM Subscribe
I don't have employer-provided insurance and purchase it directly. Is it possible to increase coverage to deal with a new health issue?
posted by anonymous to health & fitness (7 answers total)
I finally went to the doctor after a few months of shoulder pain; it's some kind of rotator cuff injury. I have a high-deductible (10k) HSA through Blue Cross with only about a thousand in the account. Even an MRI to more fully diagnose it would more than drain the account, and if I had to have surgery, there's no way I could pay for it.
I'm sure the answer is somehow "NO" but could I try and change my coverage now to a conventional health insurance plan? Or if I did would they be likely to charge some exorbitant rate? I can call and ask but don't know if I'd be shooting myself in the foot by pointing it out, and I'm pretty sure the doctor has submitted my visit to the insurance company, so they'll know something's up. Don't they have access to my records anyway?
I chose the HSA in the first place because the normal plan is so expensive, but I feel if I could change now it might be worth it, though it would be very difficult to pay for. I'm in my mid 40s so it's not like I won't be having other issues. I feel like it's try and get a new plan or look for another job and hope I can get covered there, I guess.
Stupid U.S. health care system!