Benefit Coverage
The PCIP plan which is federally administered provides three coverage plan options with each plan – Standard Plan, Extended Plan and HSA plan all offering varying levels of premiums, medication co-pays and calendar year deductibles. There is an opportunity to open a health savings account which is an account that is tax exempt that allows you to deposit funds for qualified medical expenses. This type of account is called an HSA which means Health Savings Account. Plans offered through Federal government are all the same in coverage versus State coverage which coverage for pcip can vary. View your state coverage on state menu tab herein.
Select a plan that meets your requirements
All three of the pre-existing condition insurance plans offer preventative care which is paid at 100% and that is with no deductible as long as the doctor seen is within network and noted the visit of for preventative care. You will be required to meet the deductible before the PCIP benefits will make payment for prescriptions and healthcare. Once the deductible is met and the doctors you see are in network, you will be responsible for 20% of the medical bill as with many private major medical comprehensive 80/20 insurance plans. If the physicians you see are in network, the most you will pay in any calendar year is $5,950 as co-insurance for any catastrophic event. Even if hundreds of thousands or even millions of dollars were billed Pcip benefits will then be covered at 100%. This amount covers you catastrophically with no cap. If you choose to see a physician that is out of network, the most you will pay in any calendar year is $7,000. There is no lifetime limit the PCIP plan will pay for the insured’s care. Regardless of the pre existing conditions you may have, the PCIP insurance plan benefits are available to you.
Please visit our 'PCIP PLANS PAGE' to view the coverage options available to you side by side to fairly compair which plan you wish to choose!
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