INSURANCE OPTIONS

The Pre-Existing Condition Insurance Plan (PCIP) is a federally-funded health insurance option for medically-uninsurable Californians.

In order to qualify, you must meet the following criteria:
	Resident of California
	A pre-existing condition as shown by: Rejection letter from a health insurance company in the last 12 months, or Offered coverage with premiums higher than those of the MRMIP preferred provider organization (PPO) in the geographic region where the individual is seeking coverage.
	U.S. Citizen, U.S. National or lawfully present.
	No health insurance coverage in the last six months prior to application.
	Not enrolled in Medicare Part A & Part B; or COBRA or Cal-COBRA benefits.
	Social Security Number required.

Benefits

Dependent coverage is not available. However, enrolled individuals can expect the following coverage for eligible services, in-network:

	$1,500 annual deductible
	$500 brand-name drug deductible
	$2,500 annual co-payment/co-insurance maximum
	No annual or lifetime benefit maximums
	Zero cost preventive care
	$25 office visits
	%15 co-insurance on hospital visits, labs, and x-rays

If you feel this may be the right plan for you, or if you would like to discuss other options, please contact our Individual Client Service Representative, Laurie Tonegato.