UPDATE:LOL, got rejected from Health Insurance app, best thing EVA - Page 2 - TigerDroppings.com

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BugAC
LSU Fan
Baton Rouge
Member since Oct 2007
18604 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:


What are the drawbacks to this PCIP program?


I'm paying for the majority of your healthcare coverage. Not you.






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MSMHater
LSU Fan
Houston
Member since Oct 2008
11965 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:

quote:Annual Deductible: • Medical • $1,500 in-network • Brand Name Prescription Drugs • $500 in-network Annual Out of Pocket Maximum: $2,500 in-network okay so I have to pay first 1,500 I think...so what?


I've never seen the premium that low, but the program was started maybe 6 months after the bill was originally signed.

It doesn't really make alot of sense to me why it is so low. Problems with enrollment have been associated with really high costs and a lack of awareness. I thought the federal programs were going to die out in favor of the state ones. There was less than 30,000 TOTAL enrolled at the beginning of 2012, and 70-80% of those were in the state programs.

It's also only supposed to be an alternative for those who "can't access coverage in the private market", which you have stated you can (though its expensive).

Very strange that you are eligible and it's affordable.


ETA: FYI...It pays me the same as medicare does. So most offices have no problem taking it.

LINK



This post was edited on 1/8 at 3:28 pm


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McLemore
Member since Dec 2003
12369 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


we are so screwed.

my United Health premium has gone up 20% in the 12 months i've had the policy. super-high deductible--basically major medical + hospital injury plan. I'm in the very upper echelon of health. absolutely no history of anything. ideal weight, cholesterol, no risks.

i mean, i still pay half of that $260/mo jazz, but no $25 dr visits, etc. i gonna need me some obamacare soon!







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Iona Fan Man
Iona Fan
Member since Jan 2006
27462 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:

I'm paying for the majority of your healthcare coverage. Not you.


I was ready to pay but they don't want my money.

the state plan is absolutely retarded...Pay 10k/year so that they can insure you for 75,000 max?






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Iona Fan Man
Iona Fan
Member since Jan 2006
27462 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:

mean, i still pay half of that $260/mo jazz


you on a Kaiser HSA 5000 plan or something....only thing I saw that low






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Alltheway Tigers!
LSU Fan
Baton Rouge
Member since Jan 2004
3105 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:

Federal option: $260/month, $25 doctor visits, instant coverage, no annual or lifetime cap


Insanity with a preexisting condition....hell..insanity WITHOUT a preexisting condition.

That is not insurance. That is welfare.







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Siderophore
LSU Fan
Member since Nov 2010
3334 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:

I see this as Insurance lobby. Deny "high risk" then you only take money from low-risk healthy people, and Gov takes the risk


Get those fricking quotations out of here.

You went without insurance and and got diagnosed with a heart condition. You then went shopping for insurance.

There is no "backdoor" scam going on here with a "high risk" label.




This post was edited on 1/9 at 10:40 am


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CajunAngele
LSU Fan
Member since Oct 2012
11168 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


Who do you think you are judging until it happens to you? COBRA is a joke no one can afford but maybe OT ballers.

The circumstances happen far easier and of no fault to anyone a lot more than you think. I hope karma never bites you in the arse and it happens to you.






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Iona Fan Man
Iona Fan
Member since Jan 2006
27462 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:

Get those fricking quotations out of here.

You went without insurance and and got diagnosed with a heart condition. You then went shopping for insurance.

There is no "backdoor" scam going on here with a "high risk" label.


I had insurance when I had that episode. The insurance lapsed over a year later.

one issue, one visit to an ER and then a cardiologist as a second opinion, without being prescribed any treatment or medication...makes someone a "high risk"?

seems loose






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Siderophore
LSU Fan
Member since Nov 2010
3334 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


The problem is that too many people do the HMO plan.

For as much you play, I get a HDP to cover catastrophic events, and I self insure via a HSP.

If you can go the first couple years without something, you are golden. Can even pull the money out for retirement if you get really lucky health wise.

As opposed to all that money just going *poof*






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Siderophore
LSU Fan
Member since Nov 2010
3334 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


Yes, because you are now "defective"

It by itself isn't harmful, but it leads to other problems and complications.

It's why it is called "high risk" and not "money sink hole"






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Iona Fan Man
Iona Fan
Member since Jan 2006
27462 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


you don't see the quantum leap?

one trip to the ER puts someone in the same category as an AIDS patient with cancer and diabetes?

frick me high risk






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Iona Fan Man
Iona Fan
Member since Jan 2006
27462 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:

Beginning February 16, 2013, the federally-run Pre-Existing Condition Insurance Plan (PCIP) is suspending acceptance of new enrollment applications until further notice.


well got in just in time

so many people signed up and started using that they have already run out of money...what the representative just told me.







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Poodlebrain
LSU Fan
Way Right of Rex
Member since Jan 2004
15345 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


The program has like $5 billion in cash to cover existing members. So they closed it out to the several million Americans who would otherwise qualify for the program. Rather than equal protection under the law we have first come first served and everyone else rejected. I wonder how well that would go over with a jury made up of low income members?





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CajunAngele
LSU Fan
Member since Oct 2012
11168 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA



Thanks for the update.

So they ran out of money? What happens to all other pre existings? They go to jail?






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Lsut81
USA Fan
Member since Jun 2005
64851 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:

So they ran out of money? What happens to all other pre existings? They go to jail


This is old news... Came out about 2 weeks ago that they were having to close the enrollment because it was underfunded.

When it goes live in 10 months, there is absolutely no way that it can survive






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Meauxjeaux
Memphis Fan
I have 89,367 posts with my alters
Member since Jun 2005
16991 posts
 Online 

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:

What are the drawbacks to this PCIP program?


Get on it and try finding a Dr that isn't working out of a stinky, 3rd world office that will take you.

I'm serious.






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Meauxjeaux
Memphis Fan
I have 89,367 posts with my alters
Member since Jun 2005
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re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:

Bay Area/San Francisco has about 1,000 Docs on the network list


And they are probably all completely allocated.

I'm serious. Try it!






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Meauxjeaux
Memphis Fan
I have 89,367 posts with my alters
Member since Jun 2005
16991 posts
 Online 

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


My final statement, as I have said this for 3 years now, the quality of heathcare for nearly everyone except the RECs (Ruling class, Entertainment block, C-level corporate types) will go to shite. And much more quickly than anyone imagines.

Sorry Kash, gotta make due the best you can.






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Iona Fan Man
Iona Fan
Member since Jan 2006
27462 posts

re: UPDATE:LOL, got rejected from Health Insurance app, best thing EVA


quote:

Get on it and try finding a Dr that isn't working out of a stinky, 3rd world office that will take you.

I'm serious.


UCSF is pimp, or I could go Califoria Pacific Medical...Pacific Heights just a couple blocks from the JCC (Jewish Community Center of SF...MONEY)

Just from what I've seen, any Hospital that I'd want to go to is covered.






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