Saturday, March 3, 2012

T1s and T2s will now be getting health insurance


Do you have a medication condition which hinders you from getting a health insurance? Let’s say, you have diabetes? Good News! Now, there’s a temporary federal program which allows those who are hit by an illness to buy an individual insurance for at least, the next few years.

For many years, type 1 diabetes has been referred to as an automatic denial condition by the health insurance industry.  It was impossible for T1s to but individual health insurance in many states even for any amount of money. In some states where you could, the insurance company providing you this would legally include a rider denying coverage on anything which relates to your diabetes. Yes! You can get health insurance except for diabetes. And worse, they can legally charge you for more. 

For those who have type 2s which require insulin, they also had difficulty in finding an individual insurance which was either too expensive or simply unavailable. This also goes to those who have cancer, AIDS, and asthma. It’s ironic how these companies wouldn’t sell insurance just when you need it the most.

Hopefully, by 2014, this institutionalized prejudice will be outlawed as the 974-page Affordable Care Act will fully roll out. Assuming that the health insurance reform law surpasses legal challenges and repeal threats, everyone will be required to buy health insurance for their own. Insurance companies will also not be allowed to deny coverage.

But since 2014 will still come after two years, the on-process Affordable Care Act has created a program called the Pre-Existing Condition Insurance Plan (PCIP). The program will allow people who were locked out from the market to get coverage NOW rather than on 2014. 

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