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Pre-existing Condition Insurance Plan (PCIP)
Affordable Healthcare Insurance
The Pre-Existing Condition Insurance Plan makes health insurance available to people who have had a problem getting insurance due to a pre-existing condition.
The Pre-Existing Condition Insurance Plan:
- Covers a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs.
- Does not charge you a higher premium just because of your medical condition.
- Does not base eligibility on income.
- You must be a citizen or national of the United States or reside in the U.S. legally.
- You must have been without health coverage for at least the last six months. Please note that if you currently have insurance coverage that doesn’t cover your medical condition or are enrolled in a state high risk pool, you are not eligible for the Pre-Existing Condition Insurance Plan.
- You must have a pre-existing condition or have been denied coverage because of your health condition.
Florida PCIP offers a choice of plan options to fit your needs (different levels of premiums, calendar year deductibles, prescription deductibles and prescription copays) at more affordable premiums.
Follow these links for more PCIP FAQs and information on the Affordable Care Act. more -
Pre-Existing Condition Insurance in Florida
Help for Getting Medical Insurance with a Pre-Existing Condition in FloridaAs of July 1, eligible residents of Florida are able to apply for coverage through the state’s 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 had a problem getting insurance due to a pre-existing condition.
PCIP will cover 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.
Below are the monthly PCIP premium rates for Florida by the age of an enrollee.
Ages 0 to 34: $363
Ages 35 to 44: $435
Ages 45 to 54: $556
Ages 55+: $773In addition to your monthly premium, you will pay other costs. You will pay a $2,500 deductible for covered benefits (except for preventive services) before the plan starts to pay. After you pay the deductible, you will pay a $25 co-payment for doctor visits, $4 to $30 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.
You can apply here (it can take a while for this page to load).
This was originally posted at the HealthCare.gov site here.
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