Pre-Existing Condition Health Care Plans, By State

As described in the original post about health insurance on this site, people who have preexisting conditions that make it impossible for them to qualify for regular health insurance now have access to health insurance through the Patient Protection and Affordable Care Act of 2010.

Unfortunately, you have to be uninsured for six months before you are able to enroll in one of these policies. However ... if you have no other options for coverage, this is certainly better than nothing. The benefits on these policies are fairly decent and are managed by reputable insurance companies, and the premiums are fairly cheap as compared to what you would find on the regular insurance market with a preexisting condition.

See below for state-by-state links to the websites where you can read about the plans, find answers to your questions, and apply for coverage. You must apply to the one in the state where you currently reside.

(Please note: some of the links are the same between states because some states elect to provide their citizens coverage through a preexisting plan managed by the federal government. Other states manage their own plans.)

Alabama: http://www.pciplan.com/
Alaska: http://www.achia.com/ACHIA-FED/
Arizona: http://www.pciplan.com/
Arkansas: http://www.takecarearkansas.org/
California: http://www.pcip.ca.gov/Home/default.aspx
Colorado: https://www.gettinguscovered.org/
Connecticut: http://www.ct.gov/dss/cwp/view.asp?Q=463668&A=2345
Delaware: http://www.pciplan.com/
District of Columbia: http://www.pciplan.com/
Florida: http://www.pciplan.com/
Georgia: http://www.pciplan.com/
Hawaii: http://www.pciplan.com/
Idaho: http://www.pciplan.com/
Illinois: http://insurance.illinois.gov/IPXP/
Indiana: http://www.pciplan.com/
Iowa: http://hipiowafed.com/index.htm
Kansas: http://www.khiastatepool.com/KHIA-FED/
Kentucky: http://www.pciplan.com/
Louisiana: http://www.pciplan.com/
Maine: http://www.dirigohealth.maine.gov/Pages/pre_exist.html
Maryland: http://getmdhealthcare.com/
Massachusetts: http://www.pciplan.com/
Michigan: http://www.hipmichigan.com/
Minnesota: http://www.pciplan.com/
Mississippi: http://www.pciplan.com/
Missouri: http://www.mhip.org/federal_eligibility.html
Montana: http://www.mthealth.org/
Nebraska: http://www.pciplan.com/
Nevada: http://www.pciplan.com/
New Hampshire: http://www.nhhp.org/nhhp-fed/
New Jersey: http://www.state.nj.us/dobi/division_insurance/njprotect/index.htm
New Mexico: http://www.nmmip.org/hrp1/
New York: http://www.ghi.com/nybridgeplan/index.html
North Carolina: http://www.inclusivehealth.org/fed_eligible_reg.htm
North Dakota: http://www.pciplan.com/
Ohio: https://www.ohiohighriskpool.com/
Oklahoma: http://www.bcbsok.com/ohrp/temp_pool.html
Oregon: http://www.oregon.gov/oha/OPHP/OMIP/pages/fmip.aspx
Pennsylvania: http://www.pafaircare.com/
Rhode Island: https://www.bcbsri.com/shop-for-plan/programs-and-services/individuals-families/pre-existing-condition-insurance-plan-rhode
South Carolina: http://www.pciplan.com/
South Dakota: http://fedhighriskpool.sd.gov/
Tennessee: http://www.pciplan.com/
Texas: http://www.pciplan.com/
Utah: http://selecthealth.org/plans/government/fedhip/Pages/home.aspx
Vermont: http://www.pciplan.com/
Virginia: http://www.pciplan.com/
Washington: https://www.wship.org/PCIP-WA/
West Virginia: http://www.pciplan.com/
Wisconsin: http://www.hirsp.org/plans/federal-plans.shtml
Wyoming: http://www.pciplan.com/

Applying for Unemployment After Academia: How You Can Do It and How It Might Feel

Depending on the circumstances under which you are leaving academia, you may qualify for unemployment benefits. Maybe tenure wasn't renewed; maybe you were on a contract that is ending; whatever your circumstances, it's probably worth looking into whether or not you qualify for unemployment in your state. A mantra you'll hear again and again on these pages is ask for help, and accept help when offered. If you qualify for unemployment and it would help you during this transition, you should take advantage of it.

Each state has its own rules and procedures. The link above takes you to a clickable map that will help you find the right department to contact in your state.

And take a deep breath. If you think you're the first, or last, post-academic to seek government assistance, you're wrong. There's absolutely no shame in putting food on your table. There's absolutely no shame in admitting you need help. But it can feel humiliating to consider the disparity between the fantasies that drove us to pursue academia and the reality of our post-academic existence. I certainly didn't dream of living in a small apartment with a filthy carpet filling out paperwork for dependent care assistance when I sipped wine and talked theory in the wood-paneled dining room of a professor's bungalow at the first departmental party I attended as a graduate student.

John Patrick Robichaud via Compfight

The new reality can suck, but don't let that deter you from seeking help.

Post-academic in NYC writes about this in "The Crushing Shame of Applying for Unemployment:"

When you call the number, a person who oozes resignation and cold efficiency asks, “you had a teaching job last year, so why did you quit?” You are expected to have a really good reason for why you quit your adjunct gig that didn’t pay well to take a part-time gig that paid a little more (which has since kind of dried up). It is hard to explain this because you are talking to a person who probably thinks “college teaching” sounds like the best thing ever. You can tell the person on the other end of the phone is judging you. She thinks you are an idiot for giving up a perfectly good “college teacher” job, even if it was part-time for not a lot of money. She thinks you’d rather suck on the public teat than work for a living. You really want to launch into a speech explaining about how the neoliberal economic forces destroying the economy also ensure that most college teachers are low-paid adjuncts who live in caves and suck just enough water to survive off of damp surfaces. You also want to explain that surviving grad school and writing a dissertation means you are many things, but lazy isn't one of them.

Jessica Burke, an adjunct, also writes about her experience with an unemployment hearing here. Burke writes about a fairly intimidating and humiliating bureaucratic experience trying to get unemployment, but New Faculty Majority offered her a lot of support. New Faculty Majority has a lot of fantastic information for adjuncts applying for unemployment that you should definitely check out, including a PDF guide for contingent faculty who are seeking benefits. They are fierce advocates for the labor rights of adjunct and contingent faculty, and unemployment benefits are a big part of that. Be sure to let them know if and when you file for unemployment.

The bottom line is: you deserve support.