Don’t Go Bare!

Friday, May 18, 2012 16:23 | Filled in Payment

Photo credit: Paul Delardeau/Flickr.

Any Californian who has been denied health insurance because of a medical condition, as I have, should read up on the federal pre-existing condition insurance plan. This plan was developed as part of the Affordable Care Act passed on March 23, 2010.

 

The plan went live in August, 2010 and covers visits with primary care doctors and specialists, hospital care, and prescription drugs. To be eligible, you must be a citizen or legal resident of the US, and you must have been uninsured for at least the last six months before you apply. This means that Californians who are currently covered by the State’s High Risk Pool are not eligible. The premiums for a single person are generally much lower than the $817 per month I was paying when I was covered by the State’s High Risk Pool. The $1500 deductible is similar, but the new plan includes a $2500 out of pocket annual limit.

 

To get a brochure that describes the Pre-Existing Condition Insurance Plan and compares it to California’s existing high risk plan, and an application form, click on: www.mrmib.ca.gov. To request an application by email, send your name and mailing address to FHRP@mrmib.ca.gov. There’s also a snail mail address available at the web site.

 

Sure, health insurance is expensive. But don’t go bare – that is, ie don’t go without health insurance. A hospital stay – think skateboard, bike, or freeway accident – is even pricier.

 

 

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