When you live in San Jose, California you can get a Pre-Existing Conditions Insurance Plan (PCIP) for a very reasonable price. There are a few qualifications, as not anyone can just apply and be approved.
One of those qualifications is that you have to live in the United States as a permanent resident and have a valid social security number. I would say a lot of the people we know in San Jose are usually okay with that point.
Another qualification is that you have to be denied coverage from a carrier (Kaiser, Anthem, Blue Shield, Health Net, etc) in the last 6 months. If you tried to get an insurance plan and you were denied, keep the letter of “rejection” and you are one step closer to a PCIP.
On 9/14/2011 I ran a quote for a 30 year-old in San Jose, California, and it was $247 a month. That is with a REALLY low deductible and also with 15% coinsurance for covered services after your $1500 deductible.
The third thing you need for a PCIP in San Jose, California would be that you have NOT had coverage for the past 6 months. If you are on COBRA, a group plan, an individual plan or some sort of high-risk pool, you are not eligible for a PCIP. Even if you are on insurance currently but they do not cover your pre-existing condition, you are still not eligible for a PCIP.
If you have any questions about a pre-existing conditions insurance plan and you live in San Jose, California, please give us a call! We’d love to walk you through step by step on how to apply for one of these plans or another type of plan.
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San Jose, CA 95118
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