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Pre-Existing Conditions – No Problem in MI

As you may know, one of the main provisions of the Patient Protection and Affordable Care Act (healthcare reform) is that people with pre-existing conditions cannot be denied coverage. Unfortunately, that provision of the law does not go into effect until 2014 for adults.

 The good new is that there is a comprehensive health plan in MI that is currently accepting applicants with pre-existing conditions.  The Pre-Existing Condition Insurance Plan (PCIP/Nigh Risk Pool is a new program offered in every state under the Affordable Care Act (www.healthcare.gov). It can be administered by either the state or the federal government.  The PCIP may be able to help you if you’ve been locked out of the insurance market while the nation transitions to 2014. As regulated by health care reform, pre-existing condition limitations will not be allowed through the use of state insurance exchanges beginning in 2014.

 If you have been denied coverage in Michigan, we suggest you go to www.hipmichigan.com and apply for the Health Insurance Program (HIP) for Michigan.  This plan is a comprehensive medical plan that utilizes the cofinity network here in SE Michigan.  Please remember that this is an HMO plan and that only true emergent care is covered outside of the network.  This program is administered by Physician Health Plan of Mid-Michigan.  To qualify you must:

  •  Be a Michigan resident;
  • Be a US citizen or Lawfully Present in the United States
  • Within the past six months, have been denied coverage due to health conditions or have been offered coverage with a rider excluding certain health conditions:
  • Have been uninsured for six months prior to submitting your application

We at SERPEO sincerely hope this information helps you or someone you care about get the coverage they need.  If you would like information on traditional individual health insurance please contact us at 248.643.8900.

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