Sunday, January 2, 2011

Uninsured? You may qualify for a Pre-Existing Condition Insurance Plan

People who were disqualified from their insurance plans due to pre-existing conditions may find insurance through a new Pre-Existing Condition Insurance Plan program run by the U.S. Department of Health and Human Services. It's one of the changes made under the health reform bill passed in March 2010.

To qualify for coverage, you must have been uninsured for at least the last six months and have a pre-existing condition or have been denied coverage because of your health condition.

The insurance covers a broad range of health benefits, including primary and specialty care, hospital care and prescription drugs.

How much it costs depends on your age and the type of coverage you want. For example, monthly premiums range from $234 to $315 for someone ages 19 to 34.

Enrollees will also pay other costs, such as a $1,000 to $3,000 deductible for covered medical benefits (except for preventive services) before the plan starts to pay. A plan option may have a separate drug deductible. After you pay the deductible, you will pay a $25 copayment for doctor visits, $4 to $40 for most prescription drugs, and 20 percent of the costs of any other covered benefits you get. Your out-of-pocket costs cannot be more than $5,950 per year. Costs may be higher if you go outside the plan?s network.

Apply here: out more about costs here:

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