Brought to you by Alison Gordon Insurance Services, Inc. CA license #0780178

Uninsured? Uninsurable?

In March of 2010, Congress passed and President Obama signed the Affordable Care Act—the new health law.  The law creates a new program – the Pre-Existing Condition Insurance Plan — to make health coverage available to you if you have been denied health insurance by private insurance companies because of a pre-existing condition.

A couple of weeks ago, the government launched its health insurance website.     Click on the “Understand The New Law” tab to find information about plans and costs which might be available in your state.

If you’ve had no health insurance for at least 6 months, have been declined for health insurance and have a letter from an insurance company to prove it, you may be eligible for the government-run high risk health “insurance.”

However, 29 states, including California, have opted out of the federal government program.   Instead, by September 23rd, California, and other states, will launch their updated Major Risk Plans with new federally mandated benefits and rates.

These high risk plans — both federal and state — will provide coverage through 2014 when all insurance companies in the country will be mandated to offer health insurance to everyone, regardless of your health status.

BUT… between now and 2014, watch out!  If you already have private health insurance, I predict that rates are going to skyrocket.   The insurance companies are going to have to fill the coffers and gird their loins in preparation for 2014, when the bulk of the “stealth” care reform goes into effect.    If insurance companies are forced to sell to everyone, then everyone must buy.  It’s the only way the system can work.

And if you think that buying health insurance through the government’s Exchange network is going to be fun, then think again.  There will be no one to look out for your best interests.   No one, except some far off 800 number, to call for help.   And, quite possibly, no brokers to give you personal guidance, service, advice, counsel, or a warm hug.

Enhanced by Zemanta

From,
Alison

2 comments

  1. Hi. i am a mother of three who lost my husband tragically 2yrs ago. As a result I had PTS and I already had existing PPD (as my youngest wAS only 6wks) when it happen. I did cobra until i remarried recently. We tried to get insurance through BCBS and Humana. DENIED!!! My husband doesnt have a job that includes healthcare. So now we have some ridiculous short term that costs a lot and frankly covers nothing (Plus no one takes it)! We are sooooo frusturated! What can we do? It seems criminal to deny a mom health insurance. We’ll pay as much as $1000 a month if its great coverage… And as a side note we REALLY want to have one more baby. Our insurance now doesnt cover that AT ALL! PLEASE HELP!!! Thank you for your time. D

  2. Hi. i am a mother of three who lost my husband tragically 2yrs ago. As a result I had PTS and I already had existing PPD (as my youngest wAS only 6wks) when it happen. I did cobra until i remarried recently. We tried to get insurance through BCBS and Humana. DENIED!!! My husband doesnt have a job that includes healthcare. So now we have some ridiculous short term that costs a lot and frankly covers nothing (Plus no one takes it)! We are sooooo frusturated! What can we do? It seems criminal to deny a mom health insurance. We’ll pay as much as $1000 a month if its great coverage… And as a side note we REALLY want to have one more baby. Our insurance now doesnt cover that AT ALL! PLEASE HELP!!! Thank you for your time. D

Leave a comment

Your email address will not be published.

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Contact
The Insurance Mom
Click Here