pcip-texas

Texas is one of the largest population states and health insurance has been some of the highest enrollment states leading the way in teh affordable care care first two years.

Insurance is now a requirement and all Texas state insurance residents need to get coverage and now can do so with the no pre-existing condition denial. Find out more info in your state.

pcip-florida

Health insurance in florida is available to everyone regardless of any conditions. No charges higher in premium if no enrollers ask your medical conditions.

Getting insurance coverage due to the aca or obamacare is now the law. This mandate makes it necessary for all to have coverage. Find out more by visiting our site.

about-pcip

Find out all about preexisting condition insurance plan which is not available through this program name but rather everyone is excepted regardless of any preexisting condition into any health insurance carrier. Visit our homepage.

About PCIP

Pre-existing Condition Insurance Plan and PCIP

The Affordable Care Act which is the new change to the current health insurance law was passed in March 2011 and signed by President Obama. The Federal health insurance initiated from this plan will allow for persons with pre-existing condition(s) access to affordable health care through the insurance market place via health insurance exchanges without being denied coverage.

This site is for those needing information on past plans, prescriptions,networks, pricing, state info, and is available for those needing its valuable resources.The pcip insurance program is no longer available. No carrier can refuse a person due to pre-existing conditions.

The exchanges allow for fair competition to be offered and must be in place by all states mandatory date 2014 January 1. This law created a new program called the Pre Existing Condition Insurance Plan also called PCIP to bridge that gap until such time as stated date.

This PCIP plan now makes benefits available to those who have previously been denied health insurance due to a medical condition offering affordable rates, low deductibles, including catastrophic coverage all without a waiting period.If you have a pre-existing condition and you are a US citizen or are residing in the United States legally you may qualify for coverage (see eligibility tab).

The PCIP will offer you coverage for your pre existing condition up until 2014. At that point you will be able to attain health insurance through a health insurance exchange where there will be no discrimination of your pre existing condition.

Highlights Of The PCIP Plan:
Will cover a broad spectrum of health care which includes hospital treatment, primary and specialty care and prescription benefits. All of the covered benefits are available to you and your pre-existing condition. Your pre existing condition will not require you to pay a higher premium.

Your acceptance and premium are not based on your income with the Federal program.

*In twenty-three states and the District of Columbia the PCIP plans are run by the US Department of Health and Human Services with the assistance of the U.S. Office of Personal Management as well as the US Department of Agriculture’s National Finance Division. In these twenty-three states the government contracts with a national insurance plan. The additional twenty-seven states have programs which are state based. The programs may vary by state. Prior to registering, view your state for more information or learn more about how the PCIP plan works in your state.

The Pre-existing Condition Insurance Plan” known as PCIP, provides comprehensive health insurance to Americans unable to obtain medical benefits. Those having been turned down by private major medical carriers due to a Pre-existing condition may qualify for PCIP Insurance. The PCIP Plan is expected to insure as many as three hundred and fifty thousand (350,000) individuals until the Affordable Care Act through insurance exchanges goes into effect Jan 1, 2014.

“Designed to Immediately Cover Consumers with a Pre-existing Condition whom are Uninsured”

*Pre-Existing Condition Insurance Plans that are Government Health Insurance (PCIP) are administered either by  Federal PCIP (23 states) via the *U.S. Department of Health and Human Services or administered directly by the State (27 states). Federal applications are handled through the National Finance Center, division under the Department of Agriculture and is in charge of processing. In a partnership with the Government Employees Health Association (GEHA), serves nearly one million (1,000,000) members.

To find out more information on the state health insurance that may be available to you, follow the information step by step listed below

Welcome to Pre Existing Condition Insurance Plan

UPDATE: The Pre-Existing Condition Insurance Plan (PCIP) has offered four months of transitional PCIP coverage in 2014.

In the Affordable Care Act, Congress gave CMS the authority to extend PCIP coverage beyond 2013 to avoid a break in coverage for PCIP enrollees transitioning into coverage offered through the Marketplace.

The initial enrollment period for the Marketplace for the 2014 coverage year ended on March 31, 2014.

In order to ensure that eligible individuals remaining in the program can avoid a break in coverage when PCIP terminates on April 30,CMS is providing a60-dayspecial enrollment period, beginning on May 1,for enrollment in a qualified health plan offered through the Federally-facilitated Marketplace in 2014. State-based Marketplaces are adopting a similar special enrollment period.

PCIP enrollees will have until June 30, 2014 to select a plan. If the enrollee is otherwise eligible to enroll in a qualified health plan, coverage will be effective back to May 1 for anyone who uses this special enrollment period. Federal regulations[45 CFR 155.420(d)(9)] specify that a special enrollment period must be provided when an enrollee demonstrates to the Exchange, in accordance with guidelines issued by the Department of Health and Human Services (HHS) , that they have met other exceptional circumstances ” as the Exchange may provide.” In accordance with this provision, HHS is providing that an individual, who is losing coverage through PCIP by virtue of the program’s termination,as defined in 45 CFR 155.420(a)(2) ,has experienced “exceptional circumstances.Accordingly,the Federally-facilitated Marketplace will determine a PCIP enrollee eligible for a special enrollment period if otherwise eligible for enrollment in a qualified health plan.

The Pre-existing Condition Insurance Plan” known as PCIP, provides comprehensive health insurance to Americans unable to obtain medical benefits. Those having been turned down by private major medical carriers due to a Pre-existing condition may qualify for PCIP Insurance. The PCIP Plan is expected to insure as many as three hundred and fifty thousand (350,000) individuals until the Affordable Care Act through insurance exchanges goes into effect Jan 1, 2014.

“Designed to Immediately Cover Consumers with a Pre-existing Condition whom are Uninsured”

Pre-Existing Condition Insurance Plans are Government Health Insurance are administered either by  Federal PCIP (23 states) via the U.S. Department of Health and Human Services or administered directly by the State (27 states). Federal applications are handled through the National Finance Center, division under the Department of Agriculture and is in charge of processing. In a partnership with the Government Employees Health Association (GEHA), serves nearly one million (1,000,000) members. Enrollments in effect as of December 2011 are over 40,000 and currently still accepting applications for those with with preexisting conditions desiring coverage in the PCIP insurance program.

PCIP-Enrollment Suspention Update

While PreexistingConditionInsurancePlan.com has helped to supply information and enrollment assistance to thousands on the government program(s), both state and federally run programs known as pcip or pre-existing condition insurance plan, both state and federal administered plans have suspended enrollment into the plan. On February 16, 2013, the federally administered Pre-Existing Condition Insurance Plan (PCIP) suspended applications until further notice, while state based effective suspension on March 2. This suspension of new enrollment applications are to ensure that funds are available through 2013 to maintain coverage for those individuals already insured in PCIP program throughout the nation.

While we are no longer able to offer this particular government program on our site we will be glad to continue to offer our resource site for informational purposes, networks, coverage, as well as guidance and assistance in other types of preexisting condition insurance plan(s) health plans that may be able to accept you under their health insurance coverage via short-term insurance, mini medical or indemnity health insurance, till health care reform guarantees health insurance coverage without decline due to medical conditions.

Health reform law begins coverage January 1, 2014 and open enrollment begins October 1 2013. This will be made possible through a state insurance exchange or health insurance marketplace. All inquiries on this site will be contacted for assistance. Should the enrollment of pcip reopen before then, we will also contact you to inform and assist if eligible. You may reach us through the comment box on this page or through registering anywhere throughout the site.

Note: If you lost PCIP coverage during the past 6 months because you moved out of state, you may be eligible to re-enroll in PCIP in your new state of residence. Please call 1-866-717-5826 (TTY: 1-866-561-1604), Monday – Friday, 8 a.m. to 11 p.m. EST, if you believe you are eligible.As of June 15, 2013, the Pre-Existing Condition Insurance Plan (PCIP) allows you to see any provider of your choice for most covered services, as long as the provider agrees to accept PCIP payment. PCIP has prohibited providers from charging you an amount greater than the cost-sharing amount for covered services.

Transition Plan effective July 1, 2013

The Transition Plan is limited to enrollees transferring from a state-run PCIP in Arkansas, California, Colorado, Iowa, Illinois, Kansas, Michigan, Missouri, New Hampshire, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Dakota, Utah and Washington.

Effective July 1, 2013, the coinsurance will be 30%, and the out-of-pocket maximum will be $3,125, or $5,000 for non-formulary prescriptions, for the Transition Plan. To learn more about these changes, see and download the update 2013 PCIP Brochure.

This website is not maintained approved or endorsed by any federal or government program, agency or website. It is informational only and educational uses and owned by a private entity.

a non governmental guide to PCIP