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View Diary: HIR and me Or :I'm in trouble and why HIR wouldnt help (39 comments)

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  •  I was uninsurable for 17 years. (3+ / 0-)
    Recommended by:
    Land of Enchantment, Pluto, ladybug53

    I lost my union group plan when I moved to TN in 1994. Three months ago, I enrolled in the Pre-Existing Condition Insurance Program, part of the new healthcare law.

      My premium is $571.00 a month, which I am fortunate enough to be able to afford. The network providers are the very best surgeons and hospitals in this region.

      There is no deductible on preventative care, and a in-network deductible of 20%, which cannot exceed 5,700.00 in a year. There is no cap on coverage.

      I've paid three premiums, and in 48 hours, I'm having a right-hip replacement, followed by the left, six weeks after that. I've needed this for ten years and it's been a painful decade for me.

      I know the law is far from perfect, and hopefully, only a start, but in my case it is a miracle.

      All you need to apply is a letter of declination from an insurance company, a lack of coverage for at least six months, and the scratch to pay the premiums. My rate is the highest because I'm 61, but they're lower for younger folk.

     

    Don't tell me what you believe. Tell me what you do and I'll tell you what you believe.

    by jnhobbs on Tue Aug 16, 2011 at 05:09:03 PM PDT

    [ Parent ]

    •  That's the thing. I lost mine. (0+ / 0-)

      "Nothing in all the world is more dangerous than sincere ignorance and conscientious stupidity." --M. L. King "You can't fix stupid" --Ron White

      by zenbassoon on Tue Aug 16, 2011 at 05:30:35 PM PDT

      [ Parent ]

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