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pcip

I heard risk pools are closing. I have a pre-existing condition and can’t afford to have a coverage gap. What should I do?

Q: I’m in a high-risk pool because of a pre-existing condition. I’m concerned that the problems with HealthCare.gov could mean that I won’t be able to get an exchange plan with a January 1 effective date, but I’ve heard that the risk pools are closing on December 31. I can’t afford to have a gap in coverage. What should I do? A: Don’t panic. HHS and your state are watching this situation closely and will do whatever it takes to make sure that the transition from high-risk pools does not leave enrollees with gaps in coverage.

March 31, 2014

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How does the Affordable Care Act impact persons with HIV/AIDS?

Q: How does the Affordable Care Act (ACA) impact persons with HIV/AIDS? A: Persons with HIV/AIDS have long been unable to purchase health insurance on the individual market due to their chronic condition. The Affordable Care Act creates many new opportunities for persons afflicted with HIV/AIDS. No longer having to worry about their pre-existing condition is but one example.

January 13, 2014

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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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How can I get health insurance coverage if I have a pre-existing condition?

Before the Affordable Care Act was passed into law, individuals with a pre-existing condition who shopped for individual health insurance could expect special treatment. And by “special,” we mean “frightful.”

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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