The Affordable Care Act was passed in 2010 and this law created Preexisting Condition Insurance Plans which helps people get health insurance who have been denied coverage based on a preexisting condition.

PCIPs are administered by your state government or the federal government through the Health and Human Services Department. It is meant to be an interim health insurance option for people who have been without insurance for 6 months, have been denied coverage, or have a preexisting condition. In 2014 with the passing of the Affordable Care Act, everyone will have access to health insurance and PCIP plans will no longer be needed. However in the mean time they provide health insurance to people who otherwise would be uninsured.

Preexisting Condition Insurance Plans

A PCIP plan will cover most things a regular health insurance plan would cover including doctor visits, hospital visits, prescription drugs, and more. Your preexisting condition will not be denied treatment with the covered. Additionally, PCIP plans shouldn’t charge you a higher premium due to the condition.

Eligibility for PCIP Insurance

• Are a US citizen, national, or reside in the US legally
• Have been without health insurance for six or more months
• Are not currently insured even if your plan doesn’t cover your condition and are not in a state high risk pool
• Have a preexisting condition or have been denied health insurance due to your condition
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