The Pre-Existing Condition Insurance

pre existing conditions health insurance planThe Pre-Existing Condition Insurance

Passed and signed in March of 2010, the Pre-Existing Condition Insurance Plan makes health care coverage available even to those who have been denied coverage in the past.  The eligibility requirements for participants are: must be a legal US resident, must have been uninsured for at least the past six months and have been turned down due to pre-existing condition.  There is no income eligibility.  The programs cover primary and specialty care, hospitals and prescriptions.

There are state run and federally run programs and vary by state.  In the states which offer the Federal program, the government contracts with national insurance plans who administer the benefits for those states.  State run programs vary in the administration of benefits.

Premiums vary by state but a typical premium, in a state whose program is run by the Federal Government and contracted with an independent insurance company, a person aged 50 may pay anywhere from $267 to $605 per month.  Deductibles vary for each program.

For more information about the program and specific state guidelines, visit the website


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