Re: Pre-Existing Condition Insurance Plan

[Guest guest]

My husband has just retired at age 62 and in looking for coverage for him and myself OTHER than COBRA, we were not able to purchase any health insurance because we both have pre-existing conditions (PCa for him and MS for me). He is getting coverage through the VA (Agent Orange) and I was able to do a "conversion plan" through our former insurance, so we do have coverage. But I notice that the second paragraph of your e-mail mentions the year 2014. I think folks may be misled, as we were and the Human Relations person at work, that insurance companies can deny your coverage of preexisting conditions until 2014, when that part of the Affordable Care Act takes effect. Then they must offer you the coverage.

At least that has been our experience.

Bonnie

In March of 2010, Congress passed and President Obama signed the AffordableCare Act-the new health insurance law. The law creates a new program - thePre-Existing Condition Insurance Plan -- to make health insurance availableto you if you have been denied coverage by private insurance companiesbecause of a pre-existing condition.The Pre-Existing Condition Insurance Plan (PCIP), which is administered byeither your state or the U.S. Department of Health and Human Services,provides a health coverage option if you have been without health coveragefor at least six months, you have a pre-existing condition or have beendenied health coverage because of your health condition, and are a U.S.citizen or reside here legally.This program may be able to help you, if you've been locked out of theinsurance market, until 2014. In 2014, you will have access to affordablehealth insurance choices through a new competitive marketplace called anExchange and you will no longer be discriminated against based on apre-existing condition.The Program:Covers a broad range of health benefits, including primary and specialtycare, hospital care, and prescription drugs. All covered benefits areavailable to you, even to treat a pre-existing condition.Doesn't charge you a higher premium just because of your medicalcondition.Doesn't base eligibility on income.The U.S. Department of Health and Human Services, with the help of the U.S.Office of Personnel Management and the U.S. Department of Agriculture'sNational Finance Center, runs Pre-Existing Condition Insurance Plan in 23states and the District of Columbia. The federal government contracts with anational insurance plan to administer benefits in those states. In the other27 states, there are state-based programs. The program may vary depending onwhat state you live in. Check out the State Plans page to learn more abouthow the Pre-Existing Condition Insurance Plan works in your state.https://www.pcip.gov/LearnMore.html#IntroductionThis program may help some men who are uninsured obtain coverage to coverexpenses related to prostate cancer. Many people are unaware of thiscoverage so it may be helpful if you helped people learn about this option.In Virginia the plan covers PSA/DRE beginning at age 40.Feel free to share this email with anyone who may be interested.Kathy Meade Goulait VPCC

[Guest guest]

" that insurance companies can deny your coverage of preexisting conditions until 2014, when that part of the Affordable Care Act takes effect.  Then they must offer you the coverage. " - and only if your employer has not obtained one of the thousands of waivers that do not require them to participate in the Affordable Care Act.

 

 

 

 

My husband has just retired at age 62 and in looking for coverage for him and myself OTHER than COBRA, we were not able to purchase any health insurance because we both have pre-existing conditions (PCa for him and MS for me).  He is getting coverage through the VA (Agent Orange) and I was able to do a " conversion plan " through our former insurance, so we do have coverage.  But I notice that the second paragraph of your e-mail mentions the year 2014.  I think folks may be misled, as we were and the Human Relations person at work, that insurance companies can deny your coverage of preexisting conditions until 2014, when that part of the Affordable Care Act takes effect.  Then they must offer you the coverage.

 

At least that has been our experience.

 

Bonnie

 

 

In March of 2010, Congress passed and President Obama signed the AffordableCare Act-the new health insurance law. The law creates a new program - thePre-Existing Condition Insurance Plan -- to make health insurance available

to you if you have been denied coverage by private insurance companiesbecause of a pre-existing condition.The Pre-Existing Condition Insurance Plan (PCIP), which is administered byeither your state or the U.S. Department of Health and Human Services,

provides a health coverage option if you have been without health coveragefor at least six months, you have a pre-existing condition or have beendenied health coverage because of your health condition, and are a U.S.

citizen or reside here legally.This program may be able to help you, if you've been locked out of theinsurance market, until 2014. In 2014, you will have access to affordablehealth insurance choices through a new competitive marketplace called an

Exchange and you will no longer be discriminated against based on apre-existing condition.The Program:Covers a broad range of health benefits, including primary and specialtycare, hospital care, and prescription drugs. All covered benefits are

available to you, even to treat a pre-existing condition.Doesn't charge you a higher premium just because of your medicalcondition.Doesn't base eligibility on income.The U.S. Department of Health and Human Services, with the help of the U.S.

Office of Personnel Management and the U.S. Department of Agriculture'sNational Finance Center, runs Pre-Existing Condition Insurance Plan in 23states and the District of Columbia. The federal government contracts with a

national insurance plan to administer benefits in those states. In the other27 states, there are state-based programs. The program may vary depending onwhat state you live in. Check out the State Plans page to learn more about

how the Pre-Existing Condition Insurance Plan works in your state.https://www.pcip.gov/LearnMore.html#Introduction

This program may help some men who are uninsured obtain coverage to coverexpenses related to prostate cancer. Many people are unaware of thiscoverage so it may be helpful if you helped people learn about this option.

In Virginia the plan covers PSA/DRE beginning at age 40.Feel free to share this email with anyone who may be interested.Kathy Meade Goulait VPCC

-- Emersonwww.flhw.org

Every 2.25 minutes a man is diagnosed with prostate cancer.Every 16.5 minutes a man dies from the disease.

[Guest guest]

Yes, I understand the 2014 date. I was just making sure that other folks are aware that the companies can deny coverage of preexisting conditions up to then.

"that insurance companies can deny your coverage of preexisting conditions until 2014, when that part of the Affordable Care Act takes effect. Then they must offer you the coverage." - and only if your employer has not obtained one of the thousands of waivers that do not require them to participate in the Affordable Care Act.

My husband has just retired at age 62 and in looking for coverage for him and myself OTHER than COBRA, we were not able to purchase any health insurance because we both have pre-existing conditions (PCa for him and MS for me). He is getting coverage through the VA (Agent Orange) and I was able to do a "conversion plan" through our former insurance, so we do have coverage. But I notice that the second paragraph of your e-mail mentions the year 2014. I think folks may be misled, as we were and the Human Relations person at work, that insurance companies can deny your coverage of preexisting conditions until 2014, when that part of the Affordable Care Act takes effect. Then they must offer you the coverage.

At least that has been our experience.

Bonnie

In March of 2010, Congress passed and President Obama signed the AffordableCare Act-the new health insurance law. The law creates a new program - thePre-Existing Condition Insurance Plan -- to make health insurance availableto you if you have been denied coverage by private insurance companiesbecause of a pre-existing condition.The Pre-Existing Condition Insurance Plan (PCIP), which is administered byeither your state or the U.S. Department of Health and Human Services,provides a health coverage option if you have been without health coveragefor at least six months, you have a pre-existing condition or have beendenied health coverage because of your health condition, and are a U.S.citizen or reside here legally.This program may be able to help you, if you've been locked out of theinsurance market, until 2014. In 2014, you will have access to affordablehealth insurance choices through a new competitive marketplace called anExchange and you will no longer be discriminated against based on apre-existing condition.The Program:Covers a broad range of health benefits, including primary and specialtycare, hospital care, and prescription drugs. All covered benefits areavailable to you, even to treat a pre-existing condition.Doesn't charge you a higher premium just because of your medicalcondition.Doesn't base eligibility on income.The U.S. Department of Health and Human Services, with the help of the U.S.Office of Personnel Management and the U.S. Department of Agriculture'sNational Finance Center, runs Pre-Existing Condition Insurance Plan in 23states and the District of Columbia. The federal government contracts with anational insurance plan to administer benefits in those states. In the other27 states, there are state-based programs. The program may vary depending onwhat state you live in. Check out the State Plans page to learn more abouthow the Pre-Existing Condition Insurance Plan works in your state.https://www.pcip.gov/LearnMore.html#IntroductionThis program may help some men who are uninsured obtain coverage to coverexpenses related to prostate cancer. Many people are unaware of thiscoverage so it may be helpful if you helped people learn about this option.In Virginia the plan covers PSA/DRE beginning at age 40.Feel free to share this email with anyone who may be interested.Kathy Meade Goulait VPCC

-- Emersonwww.flhw.orgEvery 2.25 minutes a man is diagnosed with prostate cancer.Every 16.5 minutes a man dies from the disease.

[Guest guest]

The PICP plans are avaialbe now. Have to check with your state. Coverage and prices seem to be good. Seems like a god deal me and there is no waiting until 2014.

To: ProstateCancerSupport Sent: Saturday, September 3, 2011 5:34 PMSubject: Re: Pre-Existing Condition Insurance Plan

My husband has just retired at age 62 and in looking for coverage for him and myself OTHER than COBRA, we were not able to purchase any health insurance because we both have pre-existing conditions (PCa for him and MS for me). He is getting coverage through the VA (Agent Orange) and I was able to do a "conversion plan" through our former insurance, so we do have coverage. But I notice that the second paragraph of your e-mail mentions the year 2014. I think folks may be misled, as we were and the Human Relations person at work, that insurance companies can deny your coverage of preexisting conditions until 2014, when that part of the Affordable Care Act takes effect. Then they must offer you the coverage.

At least that has been our experience.

Bonnie

In March of 2010, Congress passed and President Obama signed the AffordableCare Act-the new health insurance law. The law creates a new program - thePre-Existing Condition Insurance Plan -- to make health insurance availableto you if you have been denied coverage by private insurance companiesbecause of a pre-existing condition.The Pre-Existing Condition Insurance Plan (PCIP), which is administered byeither your state or the U.S. Department of Health and Human Services,provides a health coverage option if you have been without health coveragefor at least six months, you have a pre-existing condition or have beendenied health coverage because of your health condition, and are a U.S.citizen or reside here legally.This program may be able to help you, if you've been locked out of theinsurance market, until 2014. In 2014, you will have access to affordablehealth insurance choices through a new

competitive marketplace called anExchange and you will no longer be discriminated against based on apre-existing condition.The Program:Covers a broad range of health benefits, including primary and specialtycare, hospital care, and prescription drugs. All covered benefits areavailable to you, even to treat a pre-existing condition.Doesn't charge you a higher premium just because of your medicalcondition.Doesn't base eligibility on income.The U.S. Department of Health and Human Services, with the help of the U.S.Office of Personnel Management and the U.S. Department of Agriculture'sNational Finance Center, runs Pre-Existing Condition Insurance Plan in 23states and the District of Columbia. The federal government contracts with anational insurance plan to administer benefits in those states. In the other27 states, there are state-based programs. The program may vary depending onwhat

state you live in. Check out the State Plans page to learn more abouthow the Pre-Existing Condition Insurance Plan works in your state.https://www.pcip.gov/LearnMore.html#IntroductionThis program may help some men who are uninsured obtain coverage to coverexpenses related to prostate cancer. Many people are unaware of thiscoverage so it may be helpful if you helped people learn about this option.In Virginia the plan covers PSA/DRE beginning at age 40.Feel free to share this email with anyone who may be interested.Kathy Meade Goulait VPCC