The ABCs of Pre-Existing Condition Insurance Plans

As kids go back to school, families are balancing a lot, from shopping for school supplies to scheduling vaccinations and sports physicals. Fortunately, one thing that families no longer have to worry about is accessing health coverage for children with pre-existing conditions. Insurance companies can no longer limit or deny coverage for kids up to age 19 because of a pre-existing condition – a health problem, disease or disability that the child developed before their parents applied for health coverage. And starting in 2014, individuals of all ages cannot be denied coverage because of a pre-existing condition. In the meantime, Pre-Existing Condition Insurance Plans are available for those who have been denied coverage because of a pre-existing condition and who have been uninsured for at least six months. To learn more, read about the ABCs of PCIPs or check out your state page for details.