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high-risk insurance pool

How will people in either PCIPs or state-based high-risk pools transfer to a private plan?

Q: How will people in either the PCIP or state-based high-risk pools transfer to a private plan? A: In October 2013, open enrollment began on the exchanges and millions of Americans began shopping for ACA-certified health plans. Those enrolled in a new plan before December 15, 2013 will have coverage that takes effect January, 1, 2014.

November 26, 2013

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What was the goal of the federal government’s high-risk pools?

The Pre-Existing Condition Insurance Plan (PCIP) was created by the Affordable Care Act to provide temporary insurance coverage to people with pre-existing health conditions, such as cancer or heart disease, who are often denied coverage or charged very high monthly premiums.

March 21, 2013

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What difference will PCIP enrollees see when they move to ACA’s exchanges? Price? Benefits?

Q: What difference will PCIP enrollees see when they move exchanges? Price? Benefits?
A: Depending on a person’s income, it’s possible that purchasing coverage through an exchange will be less expensive. Anyone with an income below 400% of poverty level (roughly $92,000 for a family of four) will be eligible for subsidies to offset the cost of their premiums and out-of-pocket expenses.And depending upon the plan they buy, it’s possible that their benefits will be slightly richer as well.

March 21, 2013

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Will all high-risk pools — both PCIP and older state-based pools

Q: Will all high-risk pools – both PCIP and older state-based pools — exist after the new insurance markets (exchanges) are operating?

A: PCIPs will only be in operation through the end of 2013.

March 21, 2013

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What should people with pre-existing conditions do between the cutoff and the date they can enroll in exchanges? Should people be trying to slip in before the cutoff?

What should people with pre-existing conditions do between the cutoff and the date they can enroll in exchanges? Should people be trying to slip in before the cutoff? If you live in a state that will allow enrollment in a PCIP until March 2, and you’ve met the program’s eligibility requirements – you’ve been uninsured for at least six months and have a pre-existing condition or have been denied health coverage because of a health condition – you may still apply. However, if your state’s PCIP program is federally run, enrollment is now closed to you.

March 8, 2013

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Has the PCIP federal risk pool program worked as planned?

Has the PCIP federal risk pool program worked as planned? Yes and no. The Pre-Existing Condition Insurance Plan (PCIP) has successfully provided insurance coverage to people with chronic illnesses. Many people were able to access life-saving medical care as a result of the PCIP program.

March 7, 2013

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Is it true that the government is going to stop accepting new applicants for its high risk pools?

Is it true that the government is going to stop accepting new applicants for its high risk pools? Yes, it is true. Although PCIPs were initially authorized through the end of 2013, the Obama Administration announced on February 16, 2013 that effective immediately, enrollment will be halted in the 23 states where the federal government runs the PCIP program. The remaining 27 states operating their own PCIP program have the option of continuing to enroll people through March 2, 2013.

March 7, 2013

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How many states currently offer enrollment in state-based risk pools (non-PCIP plans)? Do they have an enrollment cutoff?

Today, 34 states run their own high risk pools, and have done so long before the Affordable Care Act was passed. In fact, the oldest high risk pools, which are in Connecticut and Minnesota, have been operational since 1976. Combined, nearly 225,000 Americans are covered today by state-run high risk pools.

Because health reform will guarantee equal access to health insurance, eventually, all of these plans will be closed down. However, enrollment is not closed at this time.

March 7, 2013

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Is it time to dump your medical policy?

Time to dump your health insurance plan?

The sad truth is that any number of factors can change with your health insurance coverage after you’ve enrolled, and you shouldn’t hesitate to consider a switch.

June 14, 2012

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States begin taking applications for federal risk pool Thursday

North Carolina, Montana and Pennsylvania are among the states that could begin accepting applications for a new federal high-risk insurance pool that will offer coverage to uninsured patients with pre-existing conditions. Some states like Vermont are scrambling to meet the July 1 federal mandate. Read more news about high-risk insurance pools.

June 30, 2010

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