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Monday, August 15, 2011

Pre-existing condition and no isurance available?

There are options finally.

For information about coverage in individual states, go to

In Arizona, the following obtains:

Pre-Existing Condition Insurance Plan: Arizona

Eligible residents of Arizona 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 the State of Arizona are:

Age Standard Option Extended Option HSA Option
0 to 18 $104 $141 $109
19 to 34 $157 $211 $163
35 to 44 $188 $253 $195
45 to 54 $240 $324 $250
55+ $334 $450 $347

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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