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. 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. |
|
|
