Hi everyone, I will be shortly moving to California for a new job, but I am having some difficulties understanding the US health system (I'm from Europe). My employer is a big company that seems to be offering a good health insurance package. However, I was wondering if the health insurance will take me on board after knowign my diagnosis? In general, it seems like I will get a higher level of coverage by chosing a network provider - which I probably won't - and that non-preventive services require deductibles and coinsurance, all of which sounds pretty scary to European ears. Although I will have a good salary I am starting to worry about the copays (how high are these usually?!) and about the general situation...I would be grateful for any advice and clarification!
For job related health insurance information, you may want to check out this link on our website:
Job Based Health Insurance Information
Insurance companies cannot deny you coverage based on a pre-existing condition, nor charge you more. Out of pocket costs can vary widely depending on the policy, so it will be important to review what your copays and other out of pocket costs will be with this new insurance. If you have any questions beyond this general information, give us a call- we have a specialized team of Navigators who are well versed in benefits and employment related issues. 1 800 344 4867, option 1.
Jess, MS Navigator