To be eligible to apply you must have been without health insurance coverage for six months. This is similar to the gap built in to Medicare as it applies to disabled people that requires them to wait two years after being approved for Social Security Disability benefits before they become eligible for Medicare. Because when you are so sick you're unable to hold a job it's so common to have health insurance from some other source.
These delays lead to catastrophic consequences for people's health and financial stability. If you have a pre-existing condition you most likely need treatment for that condition. After all, that's why insurance companies have refused to cover you: you'll be too expensive. So now a program that's supposed to fill the gap while we wait for the law prohibiting insurance companies from discriminating on the basis of pre-existing conditions to take effect leaves yet another gap for people who already have compromised health. Six months for your diabetes, heart disease or arthritis to go largely untreated. This not only harms the individual, it drives up the cost of health care for everyone by leaving treatable conditions undertreated, creating a need for more expensive interventions down the line. It's frustrating and mind boggling.
Pre-Existing Condition Insurance Plan: Questions & Answers
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Content by Diana E. Lee.DISCLAIMER: Nothing on this site constitutes medical or legal advice. I am a patient who is engaged and educated and enjoys sharing my experiences and news about migraines, pain and depression. Please consult your own health care providers for advice on your unique situation.