General Discussion
In reply to the discussion: Got a call from my Doctor's office today............ [View all]MoonchildCA
(1,301 posts)Do a search on pre-existing insurance in your state. In California, we have PCIP. It's available to anyone with a pre-existing condition who has not been covered by insurance for six months. This is a federal program administered by the states. Here, in CA, it's really easy to apply. You just need a doctor to state you have a pre-existing condition (for which they even had form letters set up) and proof of legal status, such as birth certificate. It's so much quicker than most insurance policies. There are no questions about medical history etc. If you are sick, you are accepted.
I have it now, and so does my best friend who was diagnosed with cancer. I'm 50 and I pay $370 a month. It's the best insurance I've ever had. I needed surgery and had some major complications and they paid all of it. It pays 85% with a max $2500 out of pocket, $25 doctor copay, and a great prescription drug plan.
It's a bridge program, until the law takes full effect. It literally saved my life!