Thursday, August 25, 2011

Pre-Existing Condition Insurance Plan

My son is out of work, very sick with pancreatitis,  and recently got on the new Pre-existing Condition Insurance Plan (PCIP).  This insurance coverage is for people with pre-existing conditions who can't get coverage, or can't get affordable coverage.  It started with the 2nd part of the new health plan that the Dems and President Obama got passed, this 2nd part also allows children stay on their parents' coverage until age 26, and closes part of the Medicare donut hole for medications.  At 39 years old, it is costing my son $188 a month in Arizona, which he is paying from his $940 a month unemployment pay. We are so thankful to have this available for him.  It works like my Medicare, and is at least $900 a month cheaper than any other insurance he could have gotten, even if he had been accepted by any insurance company.  During the time he did not have insurance he was hospitalized twice.  The first time he still had insurance from work, but it ran out midway through his 15 day hospitalizations while he was still very sick and on stomach tube feed.  The second time was before we could get him on the PCIP and the hospital put him out after 3 days, still very sick, still in incredible pain and throwing up every morning when he woke and with every meal.  The first hospitalization has him $40K in debt, even though he had coverage for part of it.  The second one added another $18K to that debt.   Now in addition to being very sick, he also has worries about how he will ever pay these bills.   He has surgery scheduled now for removal of part or all of his pancreas; unknown how much until the surgeon gets in there and see what viable tissue is left.   He will have a bill from this surgery, but at least it will be have a Cap on the out of pocket so that he can see a light at the end of the tunnel  I am not sure if he will ever be well enough to go to work again, although he has plans to try.  At least he is likely not to die a miserable death for lack of insurance, and sincerely thank the President and the Democratic party for passing this bill against all the resistance they had to fight to do it.

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