Insurance is a priority in life; without it, medical bills create financial and emotional hardships. For those who have insurance, but have pre-existing conditions, additional hardship is created.
The Centers for Medicare & Medicaid Services presents an option for those living with Pre-Existing Condition insurance issues. This video from the Centers for Medicare & Medicaid Services presents an overview of the PCIP online application, information about what to expect, and what information you should have on hand when you are ready to apply online. PCIP makes health insurance available to people who have had a problem getting insurance due to a pre-existing condition. Find out if there’s a PCIP in available in your state.
Eligible residents of Virginia can apply for coverage through the Pre-Existing Condition Insurance Plan program run by the U.S. Department of Health and Human Services.
To qualify for coverage:
- You must be a citizen or national of the United States or lawfully present in the United States.
- You must have been uninsured for at least the last six months before you apply.
- You must have a pre-existing condition or have been denied coverage because of your health condition.
PCIP covers a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs. All covered benefits are available for you, even if it’s to treat a preexisting condition.
Please note rates have changed as of July 1, 2011. The monthly premiums for your state are:
Options: Standard: $93, Extended: $125, HSA: $97
Options: Standard: $140, Extended: $188, HSA: $145
Options: Standard: $168, Extended: $226, HSA: $174
Options: Standard: $214, Extended: $288, HSA: $222
Options: Standard: $297, Extended: $401, HSA: $309
In addition to your monthly premium, you will pay other costs. In 2011, you will pay a $1,000 to $3,000 deductible, which varies by your plan option, for covered medical benefits (except for preventive services) before the plan starts to pay. A plan option may have a separate drug deductible. After you pay the deductible, you will pay a $25 copayment for doctor visits, $4 to $40 for most prescription drugs, and 20% of the costs of any other covered benefits you get. Your out-of-pocket costs cannot be more than $5,950 per year. These costs may be higher, if you go outside the plan’s network.
Apply for Coverage in Your State
To learn more about the PCIP in your state, visit https://www.pcip.gov/StatePlans.html.
To apply visit: https://www.pcip.gov/Apply.html.
For more information about the Virginia plan:
VIRGINIA DEPARTMENT OF HEALTH
P.O. Box 2448
Richmond, Virginia 23218-2448
109 Governor Street
Richmond, Virginia 23219
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