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News
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Iowa’s
Pre-Existing
Condition Insurance Plan
Posted 11 August 2010
HIPIowa-FED, a new
health insurance pool that will accept uninsured Iowans who have
pre-existing health conditions, is now accepting applications.
“We’re very proud to offer an insurance pool for Iowans who are
otherwise unable to obtain insurance because of a pre-existing
condition,” Culver said. “Until these kinds of exclusions are subject
to the new rules in the federal health reform bill, which does not
become effective for several years, it becomes our duty as a state to
make sure Iowans have access to the ongoing care they need at a cost
that does not lead to financial ruin for their families.”
As specified in the Patient Protection and Affordable Care Act which
created funding for states to establish and operate pools for uninsured
residents, certain conditions must be met to qualify for acceptance. An
applicant must:
- Be a citizen or
national of the United States or lawfully present in the United States,
- Have been uninsured
for at least six months prior to making application, and
- Have had a problem
getting insurance due to a pre-existing condition.
The pool offers
members a $1000 deductible policy. Premiums for members will range from
$177.64 per month to $739.45 per month, depending on the applicant’s
age and whether or not the applicant is a smoker or non-smoker. Persons
interested in applying are encouraged to promptly begin the process of
acquiring, completing and submitting an application.
Applications are available online now at www.iid.state.ia.us and soon
will also be posted at www.hipiowa.com.
Iowans
may also request an application by calling the administrator of
HIPIowa-FED toll-free at 877-505-0513. Any licensed health insurance
agent may also access this information.
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