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Tuesday, October 5, 2010

Pre-Existing Condition Insurance in Florida

Help for Getting Medical Insurance with a Pre-Existing Condition in Florida

As of July 1, eligible residents of Florida are able to apply for coverage through the state’s Pre-Existing Condition Insurance Plan program run by the U.S. Department of Health and Human Services.

To qualify for coverage:

  • You must be a citizen or national of the United States or lawfully present in the United States.
  • You must have been uninsured for at least the last six months before you apply.
  • You must have had a problem getting insurance due to a pre-existing condition.

PCIP will cover a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs. All covered benefits are available for you, even if it’s to treat a preexisting condition.

Below are the monthly PCIP premium rates for Florida by the age of an enrollee.

Ages 0 to 34: $363

Ages 35 to 44: $435

Ages 45 to 54: $556

Ages 55+: $773

In addition to your monthly premium, you will pay other costs. You will pay a $2,500 deductible for covered benefits (except for preventive services) before the plan starts to pay. After you pay the deductible, you will pay a $25 co-payment for doctor visits, $4 to $30 for most prescription drugs, and 20% of the costs of any other covered benefits you get. Your out-of-pocket costs cannot be more than $5,950 per year. These costs may be higher, if you go outside the plan’s network.

You can apply here (it can take a while for this page to load).

This was originally posted at the HealthCare.gov site here.

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