“Beginning February 16, 2013, the federally-run Pre-Existing Condition Insurance Plan (PCIP) is suspending acceptance of new enrollment applications until further notice. PCIP will continue providing coverage to more than 100,000 people currently enrolled nationwide. We encourage you to visit https://finder.healthcare.gov to explore your other health care options.”
ObamaCare failed miserably in administering this Pre-existing Condition Insurance Plan, designed to help those that can not get health insurance in the private market place. The conditions under which it operated are designed to fail.. One of the worst conditions was that people with pre-existing conditions should not have any credible insurance coverage for at least six months before they apply to this program. This does not make any sense for any underwriter. If people with pre-existing condition go without insurance for six months, they are more likely to postpone their regularly monitored tests etc.. and when they finally enroll in ObamaCare, they are likely to use it.
The PCIP plan launched as a model program to cover people with pre-existing health conditions two years ago has about 100,000 people and it has increased premiums many times as well as increasing deductibles and reducing the benefits. On the top of it, they mismanage claims, almost every claim submitted has to be done twice and the prescriptions are priced high as well. Overall, the PCIP plan fared poorly compared to private insurance company plans when they enroll people with pre-existing conditions (though many insurance companies try to deny coverage for anyone with pre-ex).
India Network Health Insurance has been offering excellent benefits at affordable premiums for people visiting the United States. The coverage include pre-existing related health conditions for all age groups (0-99 years of age) without any medical underwriting and the premiums have been the same for the last three years with same deductible options. Hope members understand the efforts of India Network in providing this valuable coverage to elderly parents from India.