Pre-Existing Conditions: Compare Health Insurance Options

texasThere are many health insurance options for Americans with pre-existing conditions.  An article in Texas’ The Brownsville Herald, “Federal insurance program covers pre-existing conditions,” discusses the state and federal options available.  Author Steve Clark says that the federal agency is called the Centers for Medicare and Medicaid Services.  This public insurance is available to Americans who have been denied coverage after they compare health insurance from private insurers, due to pre-existing conditions.

The pre-existing condition insurance plan or (PCIP) offered by the federal government could be used by 7 million Americans, 250,000 in Texas alone.  This program was brought about from the Affordable Care Act last year and will last through 2014, when private insurance companies like Aultcare must cover Americans with pre-existing conditions.  As of February of this year, only about 1,000 Texans had signed up for insurance through the government’s PCIP.

Texas already runs the Texas Health Insurance Pool for high-risk individuals including those with pre-existing conditions.  Each state has a high risk health insurance pool that is an option for Americans along with the federal PCIP.  The Centers for Medicare and Medicaid Services say that their option is less costly than the state run pools.  The stipulations to qualify for the PCIP are being a U.S. citizen or legal resident, having a pre-existing condition, being uninsured for at least six months, and being denied coverage by private insurers.  Compare health insurance options when you have a pre-existing condition.

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