I got wonderful news today. The letter from the Pre-Existing Insurance Plan (PCIP) came today. And I’m APPROVED! As of August 1st, I will have medical insurance which WILL work on my pre-existing gynecological problems and which WILL be able to be used toward my surgery.
As you can see, I need to immediately pay the $237 premium for August in order to ensure it starts August 1st. (It will continue to be $237/month in premiums which is expensive but my money goes a lot further this way.) I also have a $1,000 deductible so I still need to raise enough money to pay the premiums for the next several months, satisfy the deductible and pay my co-pays. So I’m not out of the woods financially yet. Here are the coverage details of the plan:
There is a prescription deductible as well which will come to effect for medication I may need. The good news is that my OB/GYN is IN-NETWORK for the plan.
Please note, this is NOT retroactive so the $10,000+ in hospital bills and ER bills I owe are NOT covered. I still have no clue how I’m ever going to pay those off. It also doesn’t matter that I’ve already spent $836 in office payments to my OB/GYN because they’re before the effective date of the insurance on August 1st. But moving forward, I will be able to have coverage for visits and the surgery including the hospital, the anesthesiologist, radiology, etc. so I won’t get another bill that’s tens of thousands of dollars.
This is a HUGE relief moving forward. Doesn’t solve everything but makes it all a little bit easier to ensure I can actually get my surgery.