Re-evaluating Your Health Insurance: Changing Job or Relocating

Two of the objectively most stressful life events you can go through are moving or changing jobs. But you don't want to forget about making changes to your health coverage in the midst of all the transition. Here are some things to consider when evaluating your available health options during these life events:

Changing Jobs

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Will there be a gap in coverage between your old job and your new job?

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OR, Will you potentially have dual coverage for a couple of weeks?

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What are the plan options at your new job?

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Are you in a course of treatment with a doctor, or facility, or have medication not covered by your new plan?

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If you had an HSA, does your new employer offer you a plan with an HSA option?

Relocating

You will need to consider setting up a new medical team in your new location. The following considerations may apply:

Finding a doctor can be daunting, but it becomes easier when you follow the necessary steps. To start, you can ask your new insurance company for a list of in-network providers in your area.

Doctors often have patient ratings online, so you can assess if the ones you’re considering are right for you.
Ask a co-worker, friend, or family member in the area if they have a doctor they would recommend.

Remember to request/release your medical records from your current provider, as many doctors will ask for this when you become a new patient.

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Are you in a course of treatment or medication that you need to continue?

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Do you want to continue seeing your current medical team when you move?

Take a little time to focus on your health coverage through any of life’s big transitions to ensure you don't have any gaps that could expose you to a large financial risk. Knowing your options and creating a plan in advance will give you peace of mind, and allow you to focus on your new adventure.

Last Revised May 13th, 2022