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get a JOB and damn fast someone please correct me where I'm wrong!: You have health benefits for now, lousy as they are, it's better than nothing. You'll have to take leave from work for surgery and recuperation. you get back to work within a month? I don't think so. So that means you'll have to pay for your health benefits out-of-pocket. How much of your premium does your employer pay???? If you don't pay this FULL premium (including your employer's portion of the payment) for subsequent months you're off work, your health benefits cancel. Then you'll have a lapse in coverage. You do NOT want a lapse in coverage!!! Even if your DH gets a job somewhere during that time, WITH benefits, you won't automatiy be signed on and receive full benefits (because you had a lapse in coverage AND you have a pre-existing condition). There'll be a waiting period I forget how, 6 months, 12 months, something. They can't deny you for a pre-existing condition, but they don't have to enact your coverage on day one (of his eligibility with the new job, usually 90 days), either. As far as I understand the current laws, the only way you can maintain coverage with no lapse, is if you KEEP your coverage for a few months yet, HE gets a job with benefits, and you don't need to use that new coverage until he's past the 90-day probationary period with his employer. His new insurance must go into effect no more than 30 days after yours cancels. Play it safe, and make them overlap. (When this happened with DH, he'd been paying $ /mo for coverage. His employer paid the other $ /month. We got damned lucky his employer listed him as "approved leave" rather than FMLA on their records. As such, they continued to pay the premiums for the six months he was off work.) wife horny Whitehall
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