Pre-Existing Condition Insurance Plan Available for Uninsurable

NAIFA reports:

” As part of the Affordable Care Act (ACA) the Pre-Existing Condition Insurance Plan (PCIP) was established to provide a health coverage option for children and adults in all 50 states and the District of Columbia who have not been able to purchase coverage because of a pre-existing condition. The PCIP is administered by each state or the U.S. Department of Health and Human Services and will continue as a transitional program until 2014.

When working with clients it is important for NAIFA members to be aware of programs such as PCIP in the rare circumstances that a client cannot obtain health insurance in the traditional marketplace. Clients who have been rejected for individual insurance coverage will surely seek guidance from their professional agent. NAIFA members can provide a PCIP brochure to assist eligible clients meet their health insurance coverage needs.

Eligibility criteria for PCIP:
A U.S. citizen or residing here legally
Uninsured for at least the last six months
Have a pre-existing condition or have been denied health coverage because of a health condition

Go to “Find Your State” at and click on a state from a map of the United States or select a state from a drop-down menu for state specific information.”