Looking for information on the PCIP Pre-Existing Condition Insurance Plan for the State of Florida?
Here you will find an informational, all in one resource, to supply you with all the information you will need to make and an informed and educated decision on whether PCIP is right for you.
PCIP Facts and Timelines:
There are nearly nineteen million (19,000,000) residents in the State of Florida
There are approximately 20% of which that are without insurance coverage
In March of 2010 Obama signs the Affordable Care Act into law.
The law stemmed from Health care Reform mandates all states provide health insurance through a marketplace known as health insurance exchanges by January 1st 2014, as such no one is denied due to Pre-Existing Medical Conditions.
Within approximately three(3) months from the new law states had launched a new program called PCIP accronym for the new government health insurance plan Pre-existing condition insurance plan.
States choose to either run the plan themselves or Federally through the Department of Health and Human Services. Florida chooses to have it run Federally as PCIP Florida releases along side 22 other states including D.C.
July 1, 2011 Florida lowers PCIP premium rates for those on and/or joining the program
Insurance for the State was allocated 351 million dollars toward the budget to fund the program of $5,000,000,000 total more than most states, however limiting the amount of applicants that may be able to enroll.
Eligibility for PCIP Florida Insurance enrollees:
Must be a U.S. citizen or legal resident of the United States
Have a Pre-existing condition that would be decline-able by an insurance carrier
Not have had health insurance coverage at the time of enrollment and for 6 months prior to application
What Florida PCIP insurance covers:
One of the only Catastrophic health insurance plans available for those with a pre-existing condition where coverage begins without any waiting period.
Federal plan options are Standard option with a $2,000 deductible, Extended option with a $1,000 deductible and HSA option $2,500 deductible but no separate deductible for prescriptions on HSA.
Plan pricing for rates and premiums start at $118 and go up based on age and plan chosen
How to apply for PCIP Florida:
Begin application process