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How to Find Health Insurance with Pre Existing Conditions

By Edited Nov 16, 2015 0 0

Up until March 2010 with the passing of the Patient Protection and Affordable Care Act, people with Pre-Existing Conditions found it difficult or impossible to get health insurance. Those who did get coverage were often given a list of exemptions that they could not file claims for, and so they were still out of pocket for a lot of their medications and procedures. And Pre-Existing Conditions did not just mean terminally ill diseases like cancer; it included more common health conditions such as asthma, Type 2 diabetes, heart conditions, etc. Read below to learn how you can find health care insurance even if you have Pre-Existing Conditions and were formerly denied by health insurance companies.

Things You Will Need

Rejection of coverage from commercial health insurance companies
Pre-Existing Condition
US Citizenship or lawfully present in the US
Uninsured for at least the last six months

Step 1

With the new legislation, each state now has to have a Pre-Existing Condition Insurance Plan (PCIP). This is a high risk pool of insurance for people who find themselves uninsurable. In order to qualify for this plan, you need to have been without health insurance for the last six months, and you need to have been rejected by other companies. Make sure you exhaust all possibilities by consulting with an insurance agent and having him/her shop around for an individual plan for you.

Step 2

Once you are sure you are uninsurable, go to healthcare.gov website. There you can fill out a questionnaire that will tell you if you qualify for your state's PCIP plan.

Step 3

To estimate your premium cost, check out the the PCIP GEHA website, which is a company that administers the PCIP program for over 20 states. For example, as a 27 year old living in Texas, I would pay a premium of $323 per month. The plan would include 100% coverage of preventative care, and a $2500 deductible for in-network/$3,000 for out of network before PCIP pays for your healthcare and prescription drugs. Contact your state's department of health and human resources (name may be slightly different in your state).

By 2014, commercial insurance companies will no longer be able to deny coverage to people with most Pre-Existing Conditions, thanks to the Affordable Health Care Act. But until then, you do have another option to sign onto your state's PCIP. Good luck!

Tips & Warnings

You will most likely have to be denied by several health insurance companies, and have been uninsurable for over 6 months before you can qualify for your state's plan. Check with your state for the requirements.
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