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Pre-Existing Condition Insurance Plan. It Works!

By December 10, 2010

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One of the contributors to my forum recently posted the following comment. I thought it was worth sharing as an example of how the Affordable Care Act can make a difference to someone with a pre-existing health condition.

I have not been able to find full time work. And I have been denied personal coverage for years due to pre-existing conditions (with thyroid cancer added to the list). I was at wits end two months ago because I need one more treatment for my cancer. Then, I found out that part of Obama's bill includes the Pre-Existing Conditions Insurance Plan. It is basically a large US GOV group plan that covers the gap for people who (a) do not qualify for subsidized care like Medicaid, (b) can pay competitive group premium rates, (c) have a pre-existing condition for which one has been denied coverage, (d) have not had insurance for at least 6 months, (e) have been denied coverage in the last 12 months.

PCIP Updates for 2011
22 states and the District of Columbia are offering pre-existing condition insurance plans run by the U.S. Department of Health and Human services. The rest of the states are managing state-run plans.

In 2011, the program administered by the federal government will include three health plan options, with different levels of premiums, calendar year deductibles, prescription deductibles and prescription copays.

For information about the program - including how much it may cost you each month and which states are "doing their own thing" - visit the PCIP website.

What do you think? Please leave a comment below or in the Health Insurance Forum.

To stay up to date on health insurance issues get Dr. Mike's Health Insurance Newsletter.

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