A friend sent this...PRE-EXISTING CONDITIONS and HEALTH INSURANCE

imsuzie2
By imsuzie2 Latest Reply 2011-06-03 12:26:16 -0500
Started 2011-06-02 02:04:15 -0500

HHS NEWS
FOR IMMEDIATE RELEASE Contact: HHS Press Office
Tuesday, May 31, 2011 (202) 690-6343

HHS to Reduce Premiums, Make it Easier for Americans with Pre-Existing Conditions to Get Health Insurance

The U.S. Department of Health and Human Services (HHS) today announced new steps to reduce premiums and make it easier for Americans to enroll in the Pre-Existing Condition Insurance Plan. Premiums for the Federally-administered Pre-Existing Condition Insurance Plan (PCIP) will drop as much as 40 percent in 18 States, and eligibility standards will be eased in 23 States and the District of Columbia to ensure more Americans with pre-existing conditions have access to affordable health insurance. The Pre-Existing Condition Insurance Plan was created under the Affordable Care Act and serves as a bridge to 2014 when insurers will no longer be allowed to deny coverage to people with any pre-existing condition, like cancer, diabetes, and asthma.

To further enhance the program, beginning this fall, HHS will begin paying agents and brokers for successfully connecting eligible people with the PCIP program. HHS is also working with insurers to notify people about the PCIP option in their State when their application for health insurance is denied.

The program covers a broad range of health benefits and is designed as a bridge for people with pre-existing conditions who cannot obtain health insurance coverage in today’s private insurance market. In 2014, all Americans – regardless of their health status – will have access to affordable coverage either through their employer or through new competitive marketplaces called Exchanges, and insurers will be prohibited from charging more or denying coverage to anyone based on their health status.

For more information, including eligibility, plan benefits and rates, as well as information on how to apply, visit www.pcip.gov and click on “Find Your State.” Then select your State from a map of the United States or from the drop-down menu.

To find a chart showing changes to PCIP premiums in the States with Federally-administered PCIP programs, visitwww.HealthCare.gov/news/factsheets/pcip053120....

The PCIP Call Center is open from 8 a.m. to 11 p.m. Eastern Time. Call toll-free 1-866-717-5826 (TTY 1-866-561-1604).

A HHS press release regarding the PCIP changes can be found here: http://www.hhs.gov/news/


7 replies

Somoca
Somoca 2011-06-03 07:55:33 -0500 Report

This is excellent timing; I will be eligible for insurance in the fall so this works out great.

dietcherry
dietcherry 2011-06-02 10:34:30 -0500 Report

Insurance providers have had it too good for too long and Im happy to see change coming! This is great news for millions of uninsured Americans! Thanks for sharing Suze!

imsuzie2
imsuzie2 2011-06-02 23:49:47 -0500 Report

Glad to help. I am on Cobra, and worry about what will happen when it ends!

Hugs

JoleneAL
JoleneAL 2011-06-03 08:00:40 -0500 Report

If you are on Cobra, does that not count for having had insurance when going to a new plan? I know whenever I've had to go to a new plan, if I have a letter from the prior carrier to the new one saying I'd been on the plan blah, blah years, they accept that and my condition and I can be treated right away.

kdroberts
kdroberts 2011-06-03 08:10:54 -0500 Report

Exactly right. COBRA might be expensive but it does keep your continuous coverage going so if you do get a new employer sponsored plan, you likely won't have any pre-existing condition exclusion period.

Next Discussion: Brittle Type 1 Diabetes »