For those who are enrolled or are thinking about enrolling in the Florida PCIP Health Insurance Program, make sure you are aware of the termination date before moving forward. PCIP or “Pre-Existing Condition Insurance Plan” was designed to help those who are unable to obtain health insurance due to pre-existing condition a place to obtain a plan through government backing.
One of the provisions of the PCIP plan is that you must be uninsured for six continuous months and be unable to obtain health insurance through a major medical carrier. Applicants often must provide proof of denial through a denial letter. The PCIP plan has a catch though – it ends in 2014. Starting in the year 2014, the PCIP program will cease to exist and all covered persons will have to obtain health insurance through a new “marketplace” called a “health insurance exchange”. The exchanges are only 2 years from being implemented, and still there is not much to know about them…other than they must offer health insurance on a guaranteed-issue basis.
If you or someone you know is considering PCIP, please be aware of the uncertainty surrounding the imminent health insurance exchanges and make sure you investigate all options.
to read more about the Pre-Existing Condition Insurance Plan, visit their site at http://www.pciplan.com/index.html