insurance coverage for injury

[Tiggeroo]

I had a very good insurance policy thru my dh's work. He's been forced to work for a non-union company for a couple months. The coverage expires today, but I have 45 days to choose to pick it up retroactively thru cobra. It's very expensive. He has coverage available thru his current employer which is lousy and also a bit pricey, not nearly as much as the union plan, but as I said lousy coverage.
He will be back with a union company shortly and they immediately reactivate your union coverage. I was planning on going with the work plan until then.
Three weeks ago my son broke his hand. It's being treated and covered under the union plan. They just told us he needs surgery. I want that done under the old plan which is a ppo, not an hmo like the new employer plan. I want my son to continue seeing the dr's he's with.
Does the insurance have to cover an injury that treatment was begun under their plan? If so then I won't have to pay the $1000. needed to continue the insurance under cobra.

 

[Tigger_Magic]

You should contact the insurance company to inquire about this before making a decision. Policies can and do differ. However, some companies may have the following stipulation (this is part of my health insurance policy): "When the policy expires, X will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the policy expired, benefits for the covered injury or illness will continue subject to the Policy Limits until there has been six months of coverage. The Benefit Period serves as an extension of benefits and does not limit the treatment time during the Policy Period."

Again, I do not know if your particular policy contains this benefit or not. Your insurance company can advise you about this.

 

[Tiggeroo]

bump in case anybody else can help