What follows is one of a series of facts on what is included in the Affordable Care Act. Readers can come to their own conclusions as to the value of the rule and whether the rule should or should not be part of our country’s health care system.
Providing Access to Insurance for Uninsured Americans with Pre-Existing Conditions
A Pre-Existing Condition Insurance Plan (PCIP) provides new coverage options to individuals who have been uninsured for at least six months because of a pre-existing condition. States have the option of running this new program in their state. If a state has chosen not to do so, a plan has been established by the Department of Health and Human Services in that state. This program serves as a bridge to 2014, when all discrimination against pre-existing conditions will be prohibited.
What This Means for You:
The Pre-Existing Condition Insurance Plan makes health coverage available to you if you are a U.S. citizen or reside here legally, you have been denied health insurance because of a pre-existing condition, and you’ve been uninsured for at least six months.
Status of rule: In effect as of July 1, 2010
For More Information on this Benefit:
For More Information on the Affordable Care Act:
Willie C. Moore