HMO Anthem must cover any pending medical procedures or treatments because your wife has had no gap in coverage. If the Blue Cross plan is out of DC, and you are now in California, your wife's ability to be covered under the plan will depend on the type of coverage that Blue Cross in DC is offering, and if this plan is available to residents outside of the state. They can deny coverage is she is out of the service area, but not for pre-eisting conditions. As for adding your wife to your new group coverage, HMO Anthem must cover any pending medical procedures or treatments because your wife has had no gap in coverage. However, since you are on an HMO, you may need to find a surgeon within the HMO network. If you wish to add your wife to your new group coverage, you must do so as soon as it is offered to you. Otherwise, you will not be able to add her as a dependent until the net open enrollment period. Your new employer can tell you when that will be. - Friday, January 22, 2010 @ 12:01 pm