Effective September will be a new “Preexisting condition insurance Plan’ (PCIP) in California available.
It is for Individuals, who are legal citizen or legal resident alien, who were denied by private insurance carrier due to pre existing condition and are without health coverage at least 6 months. People who are on Cobra or MRMIP or any insurance plans are not eligible, they need to be at least 6 months without coverage.
This insurance plan is substituted by the Federal Government and managed in California by the State.
In contrast to the existing MRMIP program the rates are lower and there should be no lifetime limits. As of now the plan has as of copayment of $ 30.00 per doctor visits , $ 1500 deductible and a maximum out of pocket limit of $ 2500.-. It should become effective September 1st, however as of now the application are not available. The final plan outline has not been published. Anyone interested can sent me an email at info@solidhealthinsurance.com and I will provide the application as soon as I receive it or you can also request an application directly from pcip@mrmib.ca.gov.
The current MRMIP program does not have the mandatory 6 months waiting period of no health insurance coverage, but it is very restricted regarding yearly limits and life time limits.
Here are the rates of the new PCIP Plans ! They are higher but more competitive than any current existing preexisting condition plans . We are expecting daily up dates of the new plan details. Follow my blog, to get the newest info on the Health Care Reform.
Preexisting Condition Insurance Plan in California
Monthly Premium Rates*
Effective through December 31, 2011
Age Band Region 1 Region 2 Region 3 Region 4 Region 5 Region 6
15-29 $199 $195 $201 $180 $200 $181
30–34 $286 $282 $292 $258 $288 $260
35–39 $319 $314 $325 $288 $321 $289
40–44 $337 $332 $344 $304 $339 $306
45–49 $369 $364 $377 $334 $371 $335
50–54 $494 $481 $499 $445 $495 $448
55–59 $627 $608 $624 $564 $625 $567
60–64 $796 $780 $802 $720 $799 $723
65-69 $891 $873 $899 $806 $895 $810
70-74 $939 $920 $947 $849 $943 $853
over 74 $995 $975 $1,003 $899 $999 $904
* August 5, 2010
Region 1: Northern 31 counties
Region 2: Valley 14 counties
Region 3: Bay Area 6 counties
Region 4: South Coast 3 counties
Region 5: Los Angeles County
Region 6: South 3 counties
