HHS Announces New Pre-Existing Condition Insurance Plan
PCIP will be administered either by the state or by HHS, and will provide a new health care coverage for Americans who have been uninsured for at least six (6) months and have been unable to get health insurance because of a pre-existing health condition.
Created under the Affordable Care Act, PCIP is a transitional program until 2014, when insurerers will be banned from discriminating against adults with pre-existing health condititions. Furthermore, individuals with small businesses will have access to more affordable private insurance choices through competitive Exchanges. In 2014, Members of Congress will also purchase their insurance through Exchanges.
The plan (PCIP) is designed to give adults with pre-existing health conditions the same insurance coverage as healthy individuals.
The Affordable Care Act provides $5 billion in federal funding to support PCIP in every state. As for whom will administer the program, some states have requested that the U.S. Department of HHS run the plan while others have requested that they resume control to run the program themselves.
For more information about how the plan is being administered where you live, how to apply, and to learn more about the PCIP options available in your state, visit the new HHS consumer website at www.HealthCare.gov.
An imformation pamphlet on the PCIP can be found at http://www.healthcare.gov/center/brochures/pcip.pdf.
Starting July 1st, the plan was opened to applicants in 21 states where HHS is operating the program. All states which are operating their own PCIP will begin enrollment by the end of the summer, though some began their enrollment on July 1st as well.