Bonnie: Pre-Existing Conditions Insurance Plan

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.

Bonnie Shelton
3150 Almaden Expressway, Suite 203
San Jose, CA 95118
(408) 421-5555 | bonnie@brauerinsurance.com

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