“I don’t have to worry:” Nick’s #GetCovered Story
Posted December 12, 2013
As a 29 year-old social media consultant in Miami, Florida, Nick purchases insurance on the individual market. In the past, insurance companies have denied him coverage because of a pre-existing condition and his medical history.
With no other option, Nick was forced to enroll in a short term catastrophic plan that had an end date, and was paying $280 a month for it. At one point, he even considered switching jobs to find one that provided health insurance.
Thanks to HealthCare.Gov, Nick is now enrolled in a silver plan that has no end date, better coverage and less out of pocket costs.
“It’s stressful when you know you’re going to be knocked off your coverage. I always used to think ‘If something happens to me, how will I get coverage? What would happen if I got diagnosed with a terminal illness or got an accident?’”
Since Nick works in the technology sector, he expected the initial hiccups he experienced on the web site.
“I know when you launch a new website, you try to handle as much traffic as possible, but I didn’t expect to get through on the first few days because I knew there would be a lot of demand placed on the site.”
Still, 4 days after October 1st, Nick was able to apply, and a few days ago, he received a confirmation letter from his new insurer.
With coverage beginning January 1st, Nick says he will never have to worry about his pre-existing condition, lifetime caps on coverage, or getting kicked off his plan.