Peter Pan
07-16-2010, 9:46am
Just took a look at the rates for Texas. Looks like a family of 4 uninsurables could end up around $1300/month with a $10K in ded and the co-ins for max out of pocket $24k. Doesn't say anything about family rates, so I'm guessing you can only apply individually. Sounds like a solid deal....if you have cancer. Oh I used to sell the plans in Texas and they were then individual.
What happened to the Affordability of the recently passed HC act? Oh this is govt run and is not affordable, oh boy we are just starting to see the tip of the HC cost going up through the roof.
Pre-Existing Condition Insurance Plan: Texas
PCIP will cover a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs. All covered benefits are available for you, beginning on your coverage effective date, even if it’s to treat a pre-existing condition - there are no waiting periods.
The monthly premiums for your state are:
Age 00-34 35-44 45-54 55+
$323 $387 $495 $688
In addition to your monthly premium, you will pay other costs. Covered in-network services are subject to a $2,500 annual deductible (except for preventive services) before the plan starts to pay benefits. Once you’ve met the deductible, you will pay a $25 copayment for doctor visits, $4 to $30 for most drugs at a retail pharmacy for the first two prescriptions and 50% of the cost of the prescriptions after that. If you use mail order, you will pay $10 for generic drugs or $75 for brand drugs on the plan formulary for a 90 day supply. You will pay 20% of the cost of any other covered benefits received from a network provider. Your out-of-pocket costs cannot be more than $5,950 per year. However, your out-of-pocket costs may be higher if you go outside the plan’s network. See below for a benefits summary.
PCIP.gov - State Plans (http://pcip.gov/StatePlans.html)
What happened to the Affordability of the recently passed HC act? Oh this is govt run and is not affordable, oh boy we are just starting to see the tip of the HC cost going up through the roof.
Pre-Existing Condition Insurance Plan: Texas
PCIP will cover a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs. All covered benefits are available for you, beginning on your coverage effective date, even if it’s to treat a pre-existing condition - there are no waiting periods.
The monthly premiums for your state are:
Age 00-34 35-44 45-54 55+
$323 $387 $495 $688
In addition to your monthly premium, you will pay other costs. Covered in-network services are subject to a $2,500 annual deductible (except for preventive services) before the plan starts to pay benefits. Once you’ve met the deductible, you will pay a $25 copayment for doctor visits, $4 to $30 for most drugs at a retail pharmacy for the first two prescriptions and 50% of the cost of the prescriptions after that. If you use mail order, you will pay $10 for generic drugs or $75 for brand drugs on the plan formulary for a 90 day supply. You will pay 20% of the cost of any other covered benefits received from a network provider. Your out-of-pocket costs cannot be more than $5,950 per year. However, your out-of-pocket costs may be higher if you go outside the plan’s network. See below for a benefits summary.
PCIP.gov - State Plans (http://pcip.gov/StatePlans.html)