Pre-Existing Condition Insurance Plan: More People Sign Up, But Enrollment Still Low

October 15, 2011


BLUE CROSS BLUE SHIELD (BCBS) exchanges rates here…..


Now available to Texans that have A Pre-Existing Condition and have been declined. THIS IS NOT A DISCOUNT PLAN but the Government Guarantee Issue Health Insurance.



Premium rates for Texas

Here are the 2011 monthly PCIP premium rates for Texas by the age of an enrollee, effective July 1, 2011.

Age Standard Option Extended Option HSA Option
0 to 18 $133 $179 $138
19 to 34 $199 $268 $207
35 to 44 $239 $323 $248
45 to 54 $306 $412 $318
55+ $426 $572 $442


WASHINGTON — Enrollment in the Affordable Care Act’s fledgling program for people with pre-existing conditions inched up to 18,313 in March, the Obama administration recently announced.

The Pre-Existing Condition Insurance Plan, a $5 billion component of the president’s health care reform bill, offers low-cost coverage to people who’ve spent six months or longer excluded from the individual insurance market because of conditions like diabetes, heart disease or cancer. The federal government runs the PCIP in 23 states, while the rest of the states handle it themselves.

Enrollment jumped by nearly 6,000 from the previous update in February — the biggest increase yet. The Department of Health and Human Services (HHS), which administers the program, lowered premiums earlier this year in an effort to boost enrollment.

For those covered by the PCIP, it can be a godsend. The program was so appealing to one Arizona couple, in fact, that they canceled their insurance policies in January and are spending six months without insurance to qualify for the program come July.

Yet the PCIP’s enrollment numbers have been a disappointment for the administration. Though there are millions eligible, officials said it would reach a few hundred thousand at most. Enrollment has fallen far short of even those meager estimates.

During the legislative endgame of health care reform, Democrats touted the new program as one of the greatest “immediate deliverables” of the pending law. (High-risk pools like the PCIP also happen to be the centerpiece of Republicans’ alternative vision for health care reform).

The PCIP will be phased out in 2014, when it will be illegal for insurance companies to discriminate against the sick.

HHS buried the new numbers on its website May 6 and did not put out a press release like it did for the previous update in February. A spokeswoman did not respond to inquiries about why HHS chose not to publicize this quarter’s enrollment figures.



Tags: , , , , , , ,

12 Responses to Pre-Existing Condition Insurance Plan: More People Sign Up, But Enrollment Still Low

  1. lwulzzyx on March 18, 2012 at 4:19 am

    The Pre-Existing Condition Insurance Plan makes health insurance available to people who have had a problem getting insurance due to a pre-existing condition.

    The Pre-Existing Condition Insurance Plan:

    Covers a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs.
    Does not charge you a higher premium just because of your medical condition.
    Does not base eligibility on income.

  2. Charlotte on March 23, 2012 at 3:20 am

    On Monday, as the Supreme Court begins hearing arguments for and against the Affordable Care Act, Marlys Lenz Cox will be across the street, stating her own case.

    The St. Petersburg woman was invited to Washington by the advocacy group Families USA. She is one of three patients scheduled to speak at a news conference Monday morning about the law, and she is unequivocal.

    “I felt like President Obama threw me a lifeline with PCIP,” she said of the Pre-existing Condition Insurance Plan, one of the first provisions of the health care reform act to take effect.

    Cox, 57, had been insured by Blue Cross Blue Shield for years under an individual policy.

    She’s had serious health issues, including hepatitis C diagnosed in her mid 40s that she believes stems from a blood transfusion she received as a child.

    By early last year, the premiums had soared to $1,100 a month, out of reach for a woman whose income is $40,000 a year in alimony plus $60-a-day take-home pay from substitute teaching at St. Petersburg High School when her health allows it. She got a checkup, took a deep breath and dropped her insurance.

    When it was time for her annual mammogram, she paid cash. A lump was found, and she called around until she found a doctor who would do a biopsy for $900.

    She had cancer, and no way to pay for treatment. The hospitals and clinics she called offered only sympathy. Some of those she spoke with shared horror stories about their own family members’ insurance woes.

    One person even suggested she’d be better off if she’d been hit by a car and could go to the emergency room.

    “I was spending hours a day begging for my life from strangers,” Cox recalls. But with too much income to qualify for aid and not enough to afford cancer treatment, no one knew how to help her.

    By fall, she had been without coverage six months and qualified for PCIP, for which she paid $625 a month (her premium now is down to $376).

    She went to Moffitt Cancer Center in Tampa for two lumpectomies and radiation, and is well enough to teach again some days.

    “It’s the best coverage I’ve ever had,” she said of PCIP. “You don’t worry about someone cheating you, and randomly telling you they won’t pay.”

    Monday may offer Cox her biggest stage yet, but it won’t be her first time to speak in public about health care.

    “I’ve called my congressman, I’ve signed petitions, I’ve carried signs” around town, she said. “I’d have these tea party members yelling at me to pay for my own insurance.

    “I’d go talk to them, and they were veterans or on Medicare, and they seemed not to grasp they were getting government help.”

  3. Herbert on March 24, 2012 at 9:03 am

    Call me crazy. I’m a few months from losing my health insurance coverage — the “COBRA” plan you can buy after you leave a job that initially provided the benefit. So I figured I should start planning now to find an individual policy to replace my current plan before I lose it.

    This shouldn’t be too difficult, right? After all, the federal Affordable Care Act — colloquially known as “Obamacare” — was signed into law two years ago. Its mandate that all American citizens obtain coverage of some sort, coupled with a prohibition on insurers denying applicants because of pre-existing health conditions — takes effect in less than two years, assuming the U.S. Supreme Court doesn’t strike it down after hearings this week.

    It couldn’t be all that tough, I thought to myself, to find an affordable health plan.

    I was wrong.

    Advocates of President Obama’s health reform say I am a case study in how untold numbers of Americans have been caught in a no-man’s land waiting for the new federal law to take full effect.

    I am a healthy 51-year-old freelance writer. I’ve never had a major illness or disease (knock on wood). The only broken bone I’ve ever suffered was a fractured jaw, and that was almost three decades ago. I have minor, not-so-unusual conditions for an African American male of my age — borderline high cholesterol and high blood pressure, which have been controlled by one medication each for years, and a hormonal issue for which I also take medication. I’m not overweight. I don’t smoke, and my drinking habits are somewhere between light and moderate.

    But three insurance companies — Blue Shield of California, Kaiser Permanente and Aetna — all refused to cover me, at any price. Anthem Blue Cross said yes — but only if I accepted a plan that would cost more than three times as much as the plan for which I applied, or $1,350 a month. The justification cited by all four insurers: Pre-existing conditions.

    This is the state of American health insurance, California-style, circa 2012.

    My situation is not rare, reports Michael Russo, who follows health insurance issues for the California Public Interest Research Group, or CalPIRG. “I don’t think it’s really uncommon at all, sadly,” he said. Large numbers of individual applicants are denied or steered to more expensive plans. “It’s a ridiculously high percentage.”

    I thought it might be instructive to peer behind the curtains of the four health insurers to which I applied to see how they concluded I was just too much of a risk. Alas, these wizards said nope, no, no way. They did not want to share any insights into the application process, or at least what happened to my application.

    “I’ve been told we generally decline these types of requests,” Darrell Ng, a Blue Cross spokesman, stated in an email.

    Aetna’s spokeswoman, Anjie Coplin, had me sign a release so she could discuss my situation, then told me what was already obvious: I was denied because of my pre-existing conditions. She never addressed my request for a further explanation of what made my ailments actuarially scary.

    Angenette Lau of Blue Shield emailed, “We do not comment on any specific application.” Am I to understand that Blue Shield will not comment to me about its denial of my own application? “Correct,” she replied.

    Kaiser’s policy was similar: There’d be no discussion of my application’s denial, said spokesman Won Ha.

    But here’s what I can tell you:

    On all four applications, I stated what I know of my medical condition: slightly elevated blood pressure and cholesterol, as well as lower than normal testosterone and infrequent but minor ear infections. I also mentioned that in 2009 and 2010, I saw a therapist every two weeks or so for counseling for mild depression tied to a divorce and the death of my parents, and that there was no medication or hospitalization involved. And I noted my long-simmering but minor athlete’s foot that was resolved last year through a 90-day course of medication, with no side effects or subsequent treatment.

    Representatives of Aetna and Blue Cross called with further questions, which I answered.

    In its denial letter, Aetna listed blood pressure, cholesterol, ear infections and low testosterone as its reasons. It also cited “parathyroid disorder,” an ailment I’ve never had and which I did not list on my application. In fact, the questionnaire asked whether I suffered in the last five years from ailments such as diabetes, thyroid disorders or lupus. I answered no. But since Aetna isn’t talking, I guess I’ll never know how it divined that I indeed do suffer from parathyroid disorder.

    Kaiser cited the cholesterol, blood pressure, testosterone and ear infections, but also threw in the athlete’s foot and my “depression.”

    Blue Shield pointed to the blood pressure, cholesterol, and testosterone issues, and said its “other concerns are history of depression treated with counseling.”

    Blue Cross apparently didn’t care about my alleged “history of depression.” But it did cite the blood pressure, cholesterol and testosterone ailments, and “erectile dysfunction — treated with Cialis and Viagra.”

    During the phone interview with a Blue Cross representative, I was asked if I have an undescended testicle or a malignancy in or near one; have used a penile implant; or plan testicular surgery, infertility treatments or related procedures. I answered no to all of those queries. What was the “underlying cause” of the erectile dysfunction? According to the specialist who first diagnosed the condition eight or nine years ago, I replied, the cause was low testosterone. I also told the interviewer that the doctor prescribed both a daily testosterone supplement and the use of Cialis or Viagra. My subsequent physicians have continued that treatment, I said.

    But that was too much for Blue Cross. I’d love to ask why it was so concerned about the sex-related aspects of my medical history, but as Ng said, the company does not discuss the reasons behind its inquiries.

    Since the insurers were no help, I posed some general questions to Patrick Johnston, a former Democratic state legislator and currently the director of the California Association of Health Plans, a coalition of 40 health insurers. I asked him to explain the insurance industry business model that leads companies to refuse to sell their product to anyone they think might actually need it some day.

    He helpfully talked about how insurance actuaries usually conclude that younger adults are cheaper to insure than older ones, and how they find it difficult to assess risk on individual applicants.

    “When you’re dealing with an individual … the actuary has no one else to pool (him or her) with except other people in that age group living in that area, and then has to apply the factor of how likely is this person going to need health care services,” Johnston said. “So the (application) questionnaire that indicates health status is a way to standardize that risk.”

    Of course, he and others noted, the world will change on Jan. 1, 2014, when the federal health reform’s main components — the prohibition on pre-existing conditions being used to deny applicants or to charge higher rates, and the requirement that everyone obtain insurance — take effect. Individual consumers then will be able to seek coverage directly from insurers or through the state’s Health Benefit Exchange, an online bazaar of sorts that is intended to ease the chore of comparing and buying policies. Sliding-scale subsidies will help low- and moderate-income buyers afford the coverage.

    “Could it have been done sooner? Yeah,” said Anthony Wright, executive director of Health Access California, a health care consumer advocacy coalition. “But there actually was a need to have some time built in, to both put the infrastructure in place and also to give time for the market to transition because we are going from the wild, wild west here in California to hopefully a transparent, consumer-friendly market.”

    Still, 2014 is 21 months away, and the end of my COBRA coverage this August is fast approaching. Yes, there is the state’s Pre-Existing Condition Insurance Plan, its Major Risk Medical Insurance Program, or provisions of the federal Health Insurance Portability and Accountability Act. But each has its own significant drawbacks, such as requiring an applicant to go without insurance for six months, a temporary ban on coverage of pre-existing conditions, or haziness about the scope and cost of coverage.

    So for now I sit and wait, facing the prospect of going without insurance until Obamacare kicks in — or paying more than $16,000 a year for the only policy one of these companies will sell me. Neither of those is a very pleasant option.

    Source: The Bay Citizen (

    • Eduard on April 23, 2012 at 3:14 pm

      Most insurance poeciils do not insure individuals with pre-existing conditions. You may want to consider using a Provider Access Organization. I have a medical plan that covers pre-existing conditions, no deductible, or co-pays, and all specialist and ancillary services are included. Since I can’t afford traditional insurance, this is the best alternative to save money on healthcare cost. If you like, check out and research the medical plan info, it’s on the bottom left of the page. I hope this helps, if you can find insurance for your pre-existing conditions.

    • Khalid on April 25, 2012 at 5:13 am

      Considerably, this post is really the stsweeet on this notable topic. I harmonise with your conclusions and will thirstily look forward to your incoming updates. Saying thanks will not just be sufficient, for the phenomenal clarity in your writing. I will directly grab your rss feed to stay informed of any updates. Admirable work and much success in your business dealings! Please excuse my poor English as it is not my first tongue.

  4. charles on March 30, 2012 at 11:49 pm

    Excellent beat ! I would like to apprentice even as you amend your website, how can i subscribe for a blog web site? The account helped me a appropriate deal. I had been a little bit familiar of this your broadcast offered vivid transparent concept

  5. Cabatu on April 2, 2012 at 1:05 pm

    Hello there, simply turned into aware of your blog thru Google, and found that it is really informative. I’m gonna watch out for brussels. I will appreciate if you continue this in future. A lot of other folks will be benefited from your writing. Cheers!

    • Patryk on April 23, 2012 at 3:54 pm

      Yes, if your company has group incasunre , they cannot deny coverage. Although, there is usually a waiting period on pre-existing conditions 60 days -1 year. I’m sure each company is different. Your employer should have a package explaining any details. Hope this helps!

  6. Licea on April 3, 2012 at 5:51 am

    This is really attention-grabbing, You’re an excessively skilled blogger. I’ve joined your rss feed and look ahead to in quest of extra of your magnificent post. Additionally, I’ve shared your website in my social networks

  7. Mousseau on April 16, 2012 at 11:43 pm

    You actually make it seem really easy together with your presentation however I to find this topic to be really one thing that I feel I might by no means understand. It sort of feels too complex and very wide for me. I’m having a look ahead to your subsequent put up, I’ll attempt to get the grasp of it!

  8. Nanda on April 23, 2012 at 2:50 pm

    Each company has it’s own wianitg period. Check about COBRA coverage and see if it’s something you can have until your new policy takes effect. COBRA is kind of a gap insurance so if you lose your job, you have a short period of time to keep the coverage until you can do something else. Unfortunately, the cost is usually more than we can afford because of a job change or loss. If you have coverage where your company pays part of your monthly premium, once you go to COBRA, you have to pay the full amount since your company will no longer pay their part. Kind of *****. Good Luck anyway

  9. insurance marketing on May 2, 2012 at 11:14 pm

    I am extremely impressed along with your writing abilities as neatly as with the structure on your blog. Is this a paid subject or did you modify it yourself? Either way keep up the nice quality writing, it’s rare to peer a great blog like this one nowadays..