Welcome, Guest. Please login or register.
January 17, 2018, 03:23:59 PM

Login with username, password and session length

  • Total Posts: 725220
  • Total Topics: 59110
  • Online Today: 312
  • Online Ever: 1421
  • (August 13, 2016, 05:18:44 AM)
Users Online
Users: 4
Guests: 238
Total: 242


Welcome to the POZ Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Am I Infected?” posting guidelines. Click here for posting guidelines pertaining to all other POZ community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.

Author Topic: Pre-existing requirements/cost eased  (Read 2439 times)

0 Members and 1 Guest are viewing this topic.

Offline Dachshund

  • Member
  • Posts: 6,058
Pre-existing requirements/cost eased
« on: May 31, 2011, 05:43:29 PM »
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.

Offline freaky_dream

  • Member
  • Posts: 132
  • mmm
Re: Pre-existing requirements/cost eased
« Reply #1 on: June 01, 2011, 04:23:13 PM »
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)?

Offline Dachshund

  • Member
  • Posts: 6,058
Re: Pre-existing requirements/cost eased
« Reply #2 on: June 01, 2011, 04:32:32 PM »
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.

Offline recroom69

  • New Member
  • Posts: 2
Re: Pre-existing requirements/cost eased
« Reply #3 on: June 02, 2011, 06:38:50 PM »
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.


Terms of Membership for these forums

© 2017 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.