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View Diary: What stupid insurance company is going to sell health insurance to 65-year olds? (189 comments)

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  •  Insurance for Pre-Exisiting Conditions (8+ / 0-)

    This is my first comment I've made here on DKos so please forgive me my screw-ups that follow.

    I've been reading about the problems with the state's plans for pre-exisitng conditions and I'd like to say that I've had a decent experience here in New York.

    I'm self-employed and I haven't had medical insurane since the birth of my youngets son, 20 years ago. I'm 58 and of course I have 2 pre-exisiting conditions (anxiety, heart murmur). I applied this year with the NY Bridge Plan after I read about it here on Kos. It took about three weeks, some paperwork from my doctor but now3 I actually have health insurance. For NYC the premium is $421.00 per month, no deductible. I was stunned and I am still getting used to this. Never thought this would be possible. Please check any bridge plans in your state, you may be pleasantly surprised.

    •  Welcome! (3+ / 0-)
      Recommended by:
      plumbobb, elwior, ladybug53

      I had not heard about bridge plans. That premium is actually not bad at all. My brother-in-law lost his job 2 years ago and was paying $900+ for his COBRA. That was the only insurance he could get. He could have gotten into a high risk state pool but it limited him to $50k/yr and that can be wiped out in one hospitalization.

    •  The NY State bridge plan (3+ / 0-)
      Recommended by:
      plumbobb, elwior, ladybug53

      is the NY State implementation of the PCIP, the Federal Pre-Existing Condition Plan, created by the PPACA (ObamaCare).

      Every state either has its own incarnation of a PCIP plan or the Federal government runs its own.  The NY State plan does look particularly attractive.

      Start here: https://www.pcip.gov/

      (although the main site, www.healthcare.gov, seems to be down over he Labor Day weekend)

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