Looking for a bit of time-sensitive guidance - any input is much appreciated.
Broke my collarbone last week. Ortho surgeon I saw that day said no surgery. Had a follow-up with a different surgeon yesterday, and he said I needed surgery. Will cost $45k total, and I'll hit my $9k out of pocket max, which is really tough for me.
I found a Covered California plan (Blue Shield CA Platinum 90 PPO) that would cut my out of pocket costs in half. It says I could be covered starting 7/1, and my surgery is scheduled for 7/6.
Can I either drop my employer insurance and buy the other plan on Covered California, or have both and opt to use the better plan? If it's allowable in general, would the surgery be covered by insurance (no prexisting condition sort of thing)? If it's allowable and could be covered, would it be a nightmare?
Thanks!
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