Pre-existing requirements/cost eased

[Dachshund]

This is great news. I have looked into the government plan and it was too expensive.

WASHINGTON -- The government announced Tuesday that it will lower premiums and ease eligibility requirements for its fledgling health insurance program for people shut out from the private health insurance market because of pre-existing conditions. Premiums will fall by as much as 40 percent in some states.
The Pre-Existing Condition Insurance Plan, run by the Department of Health and Human Services in 23 states and by state governments in the rest, offers relatively affordable coverage for people who've been uninsured for at least six months because of conditions like diabetes or heart disease. The plan launched last summer as one of the first components of the health care reform signed into law by President Obama in March 2010....

To boost enrollment, Sebelius said monthly premiums, which vary by age and region, will drop in 17 of the states where HHS runs the program starting in July. In Alabama, Arizona, Delaware, Florida, Kentucky, and Virginia, premiums will plummet by 40 percent. Come July, people older than 55 who enroll in the Virginia PCIP's standard plan will have to pay $297 a month, a steep drop from the current $498 monthly premium.

[freaky_dream]

They also changed it so you do not need to have a rejection letter from an insurance company. All you need now is a letter from a doctor stating that you have a condition. You still have to go 6 months without insurance in order to qualify however. Does anyone know if they would count ADAP as insurance (don't believe so)?

[Dachshund]

No, ADAP does not count as insurance. The way the law is written you have to wait for six months before this insurance kicks in.

[recroom69]

You must be uninsured for six months befor you are eligable. There is NO waiting period for the policy to "kick in". Once you apply, the process is underway and your policy is effective in 30 days or less. I have spent several hours researching, and speaking with representatives who have confirmed this. Also, the great thing about this policy is the prescription coverage. For a 90 day supply by mail, you pay the first $250 (deductable) plus $75 per perscription for most drugs. In other words, for my Isentress and Truvada - 90 day supply - the initial cost would be the $250 deductable, plus $75 for each drug, totalling $400. the next three fills (90) days each, are $75 each drug, totalling $150. I am applying Monday.