Can I qualify for Health Insurance?
If you are not working for a company offering Group insurance or you have serious pre-existing medical conditions (please call as the list of conditions is changing daily) you may find it difficult to find affordable health insurance on your own without the assistance of an insurance agent.
Folks who find it difficult to find affordable health insurance are:
- Self-employed
- Independent contractors i.e., 1099′s
- Small businesses who do not have enough employees to qualify for Group insurance
- Individuals and their families, working or not
- COBRA victims who have 18-months before their former Group insurance runs out
- Pre-existing medical conditions such as Diabetes, heart attack, stents, recent cancer, obesity, severe depression, expensive medications, etc.
YES! The newly enacted “Affordable Health Care Act”, commonly referred to as: Obamacare, now offers relief – keep on reading…
Pre-Existing Condition Insurance Plan: Florida
Eligible residents of Florida can apply for coverage through the Pre-Existing Condition Insurance Plan program run by the U.S. Department of Health and Human Services.
To qualify for coverage:
- You must be a citizen or national of the United States or lawfully present in the United States.
- You must have been uninsured for at least the last six months before you apply.
- You must have a pre-existing condition or have been denied coverage because of your health condition.
PCIP covers a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs. All covered benefits are available for you, even if it’s to treat a preexisting condition.
Please note rates have changed as of July 1, 2011. The monthly premiums for your state are:
| Age | Standard Option | Extended Option | HSA Option |
|---|---|---|---|
| 0 to 18 | $118 | $158 | $122 |
| 19 to 34 | $176 | $237 | $183 |
| 35 to 44 | $211 | $284 | $220 |
| 45 to 54 | $270 | $363 | $280 |
| 55+ | $376 | $505 | $390 |
In addition to your monthly premium, you will pay other costs. In 2011, you will pay a $1,000 to $3,000 deductible, which varies by your plan option, 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% of the costs of any other covered benefits you get. Your out-of-pocket costs cannot be more than $5,950 per year. These costs may be higher, if you go outside the plan’s network.
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