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View Diary: Extremely sick Americans overwhelming federal high risk insurance pools (238 comments)

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  •  FWIW (3+ / 0-)
    Recommended by:
    nyceve, Onomastic, ladybug53
    • If a person

      • has a pre-existing condition
      • cannot get insurance at all or at a non-exhorbitant price because of it
      • has not been insured for a least six months
      • and is a US citizen or legal immigrant

    • THEN THEY ARE ELIGIBLE FOR THE PCIP PROGRAM (the high risk pools set up by the PPACA), and
    • here's where you send them or go yourself to start helping them.


    •  Can't afford it (5+ / 0-)

      JP massar,

      Thanks for the info, many of us looked into it the day it was set up and ready to go - it's still too expensive for many, many of us.   mine was about $380 per month with a $2500 deductible and co-pays.  

      I simply don't have that kind of cash at the end of the month and certainly don't have thousands in the bank to the deductible.  

      I just don't understand why the rates are that high.  

      "Selfishness must always be forgiven, you know, because there is no hope of a cure." Emma 1816 Check out my blog http://uninsuredinca.blogspot.com

      by ArtemisBSG on Mon Jan 16, 2012 at 02:41:56 PM PST

      [ Parent ]

      •  Alternative - if you can get into a college course (3+ / 0-)
        Recommended by:
        ladybug53, nyceve, catwho

        or two as a 'degree seeking student' (whether or not you really do ever intend to get one), a large number of universities have generic insurance available to students through 'Maksin'.  Because most university students are healthy, there usually isn't any physical, no questions about pre-existing conditions, and rates are relatively low.

        Now as to whether or not they'll actually pay out in case of hospitalization, that's another matter, but that's the same question you have to ask about any insurance company.

        I was uninsured for close to 5 years, but at least for the next 5 months, I am insured, at least for catastrophic issues, for about $300 total.  (Admittedly, I didn't even really have that money to spare, so had the program not required it, I wouldn't have even had it...)  Downside is it's not a yearly thing, it only covers the time you're in school.  So I'm covered til the last day of class, and gotta hope nothing happens between semesters.

        •  Good idea but- (3+ / 0-)

          My local community college here in Los Angeles (that I did take classes at here and there ) in the last year slashed/slashed/slashed everything.  

          Before you could sign up, pay, get your books and go.

          Now, there are no night classes, weekend classes or summer classes.   The new high school grads and we adults seeking higher education are kicking and biting to get into any class at all.   Waiting lists are crazy and all the fees skyrocketed.    

          Arnie's slash/slash/and slash some more policies at work.

          "Selfishness must always be forgiven, you know, because there is no hope of a cure." Emma 1816 Check out my blog http://uninsuredinca.blogspot.com

          by ArtemisBSG on Mon Jan 16, 2012 at 07:52:49 PM PST

          [ Parent ]

          •  That's odd... (0+ / 0-)

            ... our local community colleges have been adding in online classes and hybrid classes to cut costs and accommodate all the students.  "Tuition generation" is their major goal.

            Keep your religion out of my government.

            by catwho on Mon Jan 16, 2012 at 08:51:46 PM PST

            [ Parent ]

      •  Mine was about $800 (0+ / 0-)

        because they're allowed to rate based on age and gender. No can do.

    •  Have it (but can't afford it) (1+ / 0-)
      Recommended by:
      qofdisks

      plus I have a pre-existing condition, but I am not about to play Russian roulette with my finances and life to go without insurance for 6 months. Thanks for nothing, Obama!

      "It depends what the meaning of 'is', is"
      Platform of the "New" Neoliberal Democratic Party
      Speaking out of one side of their mouth for the little guy, their nominal constituency, and the other for the plutocracy, their real constituency.

      by Sanctimonious on Mon Jan 16, 2012 at 03:37:52 PM PST

      [ Parent ]

      •  Not to mention (2+ / 0-)
        Recommended by:
        nyceve, qofdisks

        Even if I were to go off my insurance in attempt to get on the PCIP program, who knows what bureaucratic hurdles I'd have to face, how long it would take me to qualify in addition to the 6 months I'd been w/o insurance, and whether I'd even be saving any $ ...methinks I would still be PAYING THROUGH THE NOSE for a shitty, FOR-PROFIT product.

        "It depends what the meaning of 'is', is"
        Platform of the "New" Neoliberal Democratic Party
        Speaking out of one side of their mouth for the little guy, their nominal constituency, and the other for the plutocracy, their real constituency.

        by Sanctimonious on Mon Jan 16, 2012 at 03:44:48 PM PST

        [ Parent ]

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