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

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  •  The High Risk Pool in IA is a scam (10+ / 0-)

    according to the Des Moines Registers reporting/editorial,
    and my partner and I, both long term HIV survivors have  personally felt the effects of that scam.

    Iowa’s program prohibits “third-party payers” from picking up the cost of premiums for enrollees.

    The result: Many HIV-positive Iowans using the ADAP program — people like Tami Haught — are not able to enroll. They can’t afford the premiums on their own, and no other source of money — a third party — can be used to pay their premiums.

    Open, but not gaping..

    by sgary on Mon Jan 16, 2012 at 01:31:30 PM PST

    •  Zounds. (6+ / 0-)
      the pool is providing insurance to only about 200 Iowans, hundreds less than it was anticipated to cover. The pool has spent $300,000 on advertising to try to attract enrollees. Meanwhile, it refuses to change a policy so an estimated 100 HIV-positive Iowans can sign up.
    •  from the application form (2+ / 0-)
      Recommended by:
      nyceve, ladybug53
      Is any portion of your HIPIOWA-FED, LLC premium going to be paid by your employer or family member(s) employer or is your employer reimbursing you for any portion of your HIPIOWA-FED, LLC premium?

      4. HIPIOWA-FED, LLC is funded solely through premiums paid by participants in HIPIOWA-FED, LLC
      and through authorized federal funds;

      I agree not to sue the State of Iowa or their representatives for any action related to the design, implementation,
      operation, or administration of HIPIOWA-FED, LLC including the denial of participation or eligibility in
      HIPIOWA-FED, LLC and the denial or nonpayment of a claim.
      Applicant’s Signature
      Date

      http://hipiowafed.com/...

      In theory one could have a pre-funded bank account set up for about 25 months of premiums.

      An alternative might be to have others pay your rent and pay the premiums yourself.

      I'd let Senator Tom Harkin know about the scam.

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