You raise excellent points about being in the middle of a procedure that was accepted by your current insurance, but unclear if it will be accepted by your new insurance, should you switch.

Back in the late-1990s, I had endometriosis and an emergency (104-degree fever that lasted 4 days and landed me in the hospital). They required a DNC and laparoscopy, and still couldn't open one of my fallopian tubes, which was swollen and shut. My employer switched healthcare insurance companies on us without telling us in time, so the previous insurance approved it, but the new insurance denied it because of "preexisting conditions" that were noted from the previous insurance company, even though no other notations were made even days or years prior regarding my endometriosis. This was all within days. I was billed over $100,000. I filed bankruptcy. I had bad credit for over a decade. There were no laws. Today, all of the good laws that Obama prevented were now reinstated by Trump, so you could be facing the preexisting issue all over again, meaning that if you switch, they can deny your procedures based on preexisting conditions. It either traps you into one insurance company or leaves you with the full bill for the other.

I'd ask UCare about preexisting conditions, which aren't noted on pamphlets, but in the fine print on the contracts they make you sign or PDFs, like the one I attached.

It sucks all around.

Given how politics have infiltrated all forms of healthcare, I'd stick with what you got and not change a thing. Consistency will be better for your stress levels overall, until more protections and political stabilization occur in the now far future - perhaps two presidents down, if we're headed into a fascist state, which many political scientists claim that we are.

Unfortunately, our medical care and our bodies are all political. Nothing is our human right anymore. You have to then make decisions based on politics and your own personal place in the political playing field. If you're healthy, you're great. If you're not, you're going to be dealing with politics affecting your choices for longevity of life, for healthcare, etc.

For answers, the best place you can try is directly to the healthcare insurance company. But be fairly warned that their reps have scripts, and they can't answer every question. They are more capitalized and thus more like salespersons than they are about actual healthcare coverage and the ethics of the best benefits for you.