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Be sure to relay all insurance coverage information to your healthcare provider or social worker so that they can properly review your needs and answer any questions you may have.
It is important that you understand your coverage and the impact a change in job may have on it. Stay on top of the most common insurance types and the circumstances that may change your coverage by getting the answers to these important questions.
This is a very important question to ask, but one for which, unfortunately, there is no one answer. Insurance coverage and out-of-pocket costs can vary from plan to plan. Contact your current provider — or if you are insured through your employer, the point person for your health provider — to ask for a list of what is covered, such as doctor’s visits, medications and lab tests.
Found your dream job? Great! Switching to a new job may mean a change-up in your insurance, but no need to worry. Speak to your new employer about insurance benefits they may offer. The Health Insurance Portability and Accountability Act (HIPAA) means you can’t be turned down for insurance because you have a “pre-existing” condition.
Quick Tip:If you are switching jobs and insurance, be sure to know when your current coverage stops and when your new coverage starts. If there is a gap in coverage, you may be able to work with your former employer, or your new employer, to cover it.
If you lose your insurance coverage because of job loss or reduced hours, you may be able to keep your current coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA). COBRA is the same health insurance you have through your employer group health plan, but be aware that your premium costs will increase when you elect COBRA. Speak with your social worker or insurance counselor to review programs that can assist in paying for these costs and services.
If you don’t currently have health insurance, or if you are nearing the end of your COBRA coverage, there are other health coverage options available.
Before switching insurance, consider that your coverage may change. Here are some things to consider as you look at other plans:
DaVita has insurance specialists and experienced social workers who can assist you in reviewing your insurance information. Contact an insurance specialist today by calling 1-855-534-2597or visiting DaVita.com/IMT.
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