What is the name of your state (only U.S. law)? CA
I am 7 months pregnant and my company is changing healthcare plans, effective June 1. The old plan covered childbirth/delivery at a $500 copay. The new plan has a deductible and co-insurance that will cost me at a minimum $5,200. Obviously this is a huge increase that I had not expected, and frankly cannot afford.
Can my employer do this - essentially pull the rug out from underneath me in the middle of a "pre-existing condition"? Do I have any rights to stay on the "old" plan since that's the plan I started on when I got pregnant and that's the insurance I thought I would have when I deliver? Had I known it was going to cost me over $5000, I would have waited to get pregnant and saved more money.
What if I quit and take Cobra? (It would be cheaper) Would Cobra coverage mean I get my current insurance plan until I am no longer eligible for Cobra; or I would still have to take the new/June 1 plan since that is the group coverage the company will be offering?
Thanks for any guidance through this mess!
I am 7 months pregnant and my company is changing healthcare plans, effective June 1. The old plan covered childbirth/delivery at a $500 copay. The new plan has a deductible and co-insurance that will cost me at a minimum $5,200. Obviously this is a huge increase that I had not expected, and frankly cannot afford.
Can my employer do this - essentially pull the rug out from underneath me in the middle of a "pre-existing condition"? Do I have any rights to stay on the "old" plan since that's the plan I started on when I got pregnant and that's the insurance I thought I would have when I deliver? Had I known it was going to cost me over $5000, I would have waited to get pregnant and saved more money.
What if I quit and take Cobra? (It would be cheaper) Would Cobra coverage mean I get my current insurance plan until I am no longer eligible for Cobra; or I would still have to take the new/June 1 plan since that is the group coverage the company will be offering?
Thanks for any guidance through this mess!