I have been most disappointed to see the unreasonable and unsupported critism that Obama-Care has received here in Texas (where we have one of the highest rates of uninsured Americans among the 50 states). Barack Obama has fallen short of my hopes on many levels, but he has truly tried to address a problem that Democrats and Republicans have ignored for too long. The Pre-Existing Condition Insurance Plan created under the Obama-Care legislation will help American's legitimately deserving of social security disability benefits, and is an example of what the President has done right:
I have posted on several occasions that ongoing medical treatment is crucial to securing social security disability benefits. With the fact that most medical insurance is tied to employment, the disabled have a challenge in securing medical treatment. Once medical insurance lapses for someone who has a serious medical condition it is next to impossible to secure new insurance that does not include a pre-existing condition clause.
Obama-Care has created the Pre-Existing Condition Insurance Plan: https://www.pcip.gov/. Here the conditions:
- You must have a pre-existing condition or have been denied health coverage because of your health condition.
- US Citizen
- You must have been without health coverage for at least the last 6 month
The Pre-Existing Condition Insurance Plan is not available in all states, but is in the state of Texas. You can apply at https://www.pcip.gov/Apply.html. Many Texans are familiar with the Texas "High Risk Pool" for medical insurance. The Pre-Existing Condition Insurance Plan is seperate and distinct from the High Risk Pool. I know, for example, that in order to get in the High Risk Pool you have to prove you have applied for and been denied medical insurance because of a pre-existing condition. Note that the Pre-Existing Condition Insurance Plan does not require a medical insurance rejection. I spoke with a client today that has been approved for medical insurance under the Pre-Existing Condition Insurance Plan without having to present proof of a medical insurance denial.
Moreover, the rates I have heard for High Risk Pool premiums are much higher than those for the Pre-Existing Condition Insurance Plan: Rate for Texans over the age of 50 range from $350 to $570 a month. https://www.pcip.gov/StatePlans.html.