• Hello All. I currently have no insurance and am considering the PCIP plan. Is anyone using this insurance plan? What is your experience with the following: 1) Approvals of treantment plans; 2) Approvals of chemo drugs; 3) Available physicians and faciliti

    Asked by collinsb01 on Wednesday, November 23, 2011

    Hello All. I currently have no insurance and am considering the PCIP plan. Is anyone using this insurance plan? What is your experience with the following: 1) Approvals of treantment plans; 2) Approvals of chemo drugs; 3) Available physicians and faciliti

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    2 Answers from the Community

    • CarolLHRN's Avatar
      CarolLHRN

      I am not familiar with this particular plan.

      One of the most important factors in selecting a plan is understanding your out of pocket maximum. This will help you know how much money you will have to put out before insurance covers at 100%. In addition, when you reach your out of pocket max, you will still be responsible for copayments and prescription costs. If the plan requires you to get the chemo agents at a pharmacy and bring them to the infusion center, then you will be responsible for the cost of the chemo agents even if you met your out of pocket maxium.

      Make sure the providers you want to see accept the insurance as well. Going out of network can be very costly and a claims nightmare. Some insurance is tricky. Even if you go to an in network hospital, if the doctor who admitted you is out of network, the whole hospital stay could be considered out of network.

      Take your time to really evaluate the plan and consider your costs. There are lots of tools online to help you figure out your costs so you can understand if the premimums you will pay will cover what you need.

      Insurance is very confusing and I worked in the insurance industry for 10 years!

      about 5 years ago
    • beth2012's Avatar
      beth2012

      Hi
      my husband had that plan for about 3 weeks it was good however there is a cetain percentage paid out depending on income..it did cover hospital stay and he got a very good oncologist.He didnt start treatment plans with it.he finally got approved for medical..as for the med it cover mostly all of it..I hope this help some..

      about 4 years ago

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