Q:

What does PCIP insurance cover?

A:

Quick Answer

The Pre-Existing Condition Insurance Plan (PCIP) provided health insurance coverage to individuals with pre-existing conditions until 2014, as the Centers for Medicare and Medicaid Services claim. Insurance coverage through this program included primary care, preventative services, hospital care, specialty services and prescription drug coverage. Patients were not charged more due to their medical conditions, and membership was available regardless of personal or household income. The Affordable Care Act created this program to provide insurance for individuals denied coverage before 2014.

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Full Answer

In 2014, health insurance providers were required to begin offering coverage to everyone regardless of pre-existing conditions, as the Centers for Medicare and Medicaid Services reports. The Pre-Existing Condition Insurance Plan ended when this requirement went into effect.

The program was funded using federal dollars and operated in all states between July 1, 2010, and January 1, 2014, as the Centers for Medicare and Medicaid Services report. Coverage was only available to patients who lacked health insurance for at least six months. Basic and specialty health coverage was provided in a high-risk insurance pool that brought the insurance policies of pre-existing condition patients together within each state in order to spread the risk of expense across the entire group. Funds were allocated for each state to create a new insurance pool.

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