Pre-existing condition insurance plans has begun their enrolling process with about 30,000 enrollments already to date. Severely slow in the wake of the hundreds of thousands of enrollees expected to join.

What is PCIP?

PCIP stands for “pre-exisitng condition insurance plan” and is administered through the GEHA or Government Employees Health Association. It is worked with the U.S. Health and Human Services division and available to the public now without having to be a Government employee. There is no enrollment fee but there are some eligibility requirements to fulfill. You must have a pre existting condition for which you have been turned down by a major medical company as you may need to provide proof for. Since the writing for this article the HHS has changed the requirement to be a doctor letter, physician assistance nurse practitioner stating your medical condition, or even an health insurance agent providing that the condition would be turned down by a carrier therefor by passing the need to first apply simply to get denied.

You can sign up by going to OpenEnrollment.net to see eligibility, state availability (Arizona Florida, Texas, California or the 20 or so other states). This coverage is available and will end when the health care reform goes in to full swing January 1, 2014 and then you can convert the plan over. Here you can see the PCIP state insurance rates.

The average cost does vary but have been dropped recently as much as 40% less in some states. This was to get as many people on the plan as possible and enrollment is free.

If you have a pre-exisitng condition and need to get affordable health insurance coverage stop reading articles on it and simply run to get a quote for your state. They’ve never made it easier and if you are considered to be ‘un-insuranceble’ that may now no longer be the case.