Some of the folks that we serve in our diverse mission have complicated medical conditions and may have had trouble in the past finding health insurance because of a pre-existing health problem. The new federal healthcare reform law may be able to help some of these folks under the newly created “Pre-Existing Condition Insurance Plan (PCIP)”… which is designed to help people with pre-existing conditions find health insurance. In Arizona, the Pre-Existing Condition Insurance Plan (administered by HHS) went live this week. In order to qualify for the program, folks need to have been uninsured for at least six months, have been denied health coverage because of a health condition, and be a US citizen (or living here legally).
The monthly premiums for the Arizona PCIP range from $323/month for people 0-34 years old to $688/month for people over 55. There’s a $2,500 annual deductible and a $25 copayment for doctor visits after that. There are also some medicine co-pay costs. The person’s out-of-pocket costs are capped at $5,950 per year. Of course, there’s a lot more to the plan than this… so folks that are interested should go to the Pre-existing Condition Insurance Plan Website and can Apply on the HHS web site.
Make sure you reach out to your Stakeholders and clients to ensure they’re aware of this new program. Examples of people that might be interested include Non Title XIX behavioral health patients, children with special healthcare needs and folks enrolled in the AIDS Drugs Assistance Program etc.