Topic: Pre-Existing Condition Insurance Plan (PCIP)

Saw this story on CNN.com and thought I'd repost it here.

Story highlights:

  • Leslie Elder died at 63 without health coverage.

  • She didn't know she qualified for the Pre-Existing Condition Insurance Plan.

  • Elder's family spent her final months fighting for Medicaid, unaware that she qualified for PCIP.

  • Her daughter says "she'd still be here" if she had had health care.

Aware of 'no options,' woman dies fighting for medical coverage
http://www.cnn.com/2012/09/01/health/el … ?hpt=hp_c1

Re: Pre-Existing Condition Insurance Plan (PCIP)

Eli, I just read this also. I have one question, should not Medicaid or her ONC have advised her that she could have been under Peci.

Teddy ~In our hearts forever~ATTITUDE is EVERYTHING
Any suggestion I offer is intended as friendly advice based solely on my own experience. Please consult your doctor for professional guidance.

Re: Pre-Existing Condition Insurance Plan (PCIP)

Lainy, I'm afraid I cannot answer that. I'm in Canada.

Re: Pre-Existing Condition Insurance Plan (PCIP)

Eli, I forgot about that. Sorry. Maybe someone from here can answer that. Guess I just like to read your postings!

Teddy ~In our hearts forever~ATTITUDE is EVERYTHING
Any suggestion I offer is intended as friendly advice based solely on my own experience. Please consult your doctor for professional guidance.

5 (edited by jathy1125 Mon, 03 Sep 2012 20:35:52)

Re: Pre-Existing Condition Insurance Plan (PCIP)

I am  very interested in this article because I not only am I cancer survivor I am a transplant recepient, which means on going medical cost for the rest of my life, which I am so glad to have!! The article is interesting  because she was never denied insurance, she just couldn't afford her insurance any longer. I am "walking a mile in her shoes", our family(3 people) private policy started at $400.00 a month 12 years ago and now is $1065.00 a month. I just changed my coverage becasue of my rate increase, I couldn't go up in coverage, but I could down grade my insurace, thanks to Obama care, that was the loop hole to not dening me insurance. My premiums go up about every other year and most of those were healthy years. The fact that one illness was 2.5 million in claims, makes my premiums pretty affordable. I will always have about $25,000-$30,000 a year in claims( blood draws, scans and meds) with out any major problems (I already have over $100,000 this year because of one bad scan). I am not sure what our answer is, no one should die because they can't afford a doctor, but I don'tknow how our goverment could afford the medical care we expect, I am pretty convinced that if I didn't have BCBS I would have never been put on life support until they found another liver and my life saved. I am very interested to know as CC patients how much care we would receive because of our odds, would we get transplants, resections or any clinical trials if we didn't have private insurance? I am neither for or against goverment involved insurance I just know I had no grief from BCBS.
Thanks for letting me rant, this an on going issue in my life!! My heart breaks for this family, because I can only continue to pay over $12,000 a year for premuims and my deductable so long, I now just thank God I am alive to have this problem!
Lots of prayers for all-Cathy

Re: Pre-Existing Condition Insurance Plan (PCIP)

I actually just spoke to them this morning. My COBRA is due to run out at the end of Nov. and medicaid does not kick in until Oct. 2013. So I have a coverage problem for 11 months....
Called a few numbers, didn't get any help. Called PCIP and was told my covrage would be around $150-$200 a month, but it would not cover any pre-existing conditions for a year. What do I do about the bills for cancer?? This program is obviously not geared toward people that need it. I am very frustrated about our health care system.
One thing I have to look into is extending my COBRA at $500/month. OR since Sloan Kettering has accepted me as a hardship I have to go to SK for EVERY cancer related problem. Then I can afford PCIP. SK has absolved me of all my bills past and future until June or July 2013. Then I have to file again...
I also have to wait 2 weeks, but they do now have a continuation coverage thru AETNA that might work for me. I can't talk to anyone until 60 days before COBRA expires tho... it's hard to try to plan ahead...

KrisJ
"Don't just have minutes in the day; have moments in time."
Any opinions I give are based on personal experiences, and are not based on medical knowledge. I strongly suggest receiving medical care and opinions.