For Joe, Coverage Saved His Life

November 26, 2013

As a self-employed painter, Joe Lucas says he has always tried his best to make ends meet. Sometimes, that meant going without.

While he was able to secure health insurance through an employer for a time years ago, increasing premiums forced him to give it up. Things went from bad to worse when he suffered an aortic aneurism while uninsured.

Joe knew he needed to do something to cover his health costs going forward. With his pre-existing condition, shopping for health insurance meant monthly premiums of $1,000 or more. Fortunately when the health care law was passed, Pennsylvania began a program allowing individuals with pre-existing conditions to get covered until the new Health Insurance Marketplace opened. Joe says the law helped save his life twice now.

Joe worked with an expert to start his application, but ended up being able to finish the process on his own at home. He had 35 different plans to choose from and received $233 in monthly financial help to pay his premiums. For the option he settled on, the financial help reduced Joe’s premium from $383 to just $150 per month.

Joe’s new coverage will let him keep getting the annual checkups his doctor needs to monitor his heart. Now, at age fifty, he can focus on his work and not have to worry about seeking treatment only when he can afford it.

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