Seniors Uninsured with Pre-Existing Medical Conditions

Dec 16th, 2010 | By Sharon Shaw Elrod MSW EdD | Category: Social Security & Medicare

SCJ has recently become aware of some seniors not yet eligible for Medicare, but who have no health care insurance, and have been denied health care because of their lack of insurance.  A new program created by the Affordable Health Care Act may be helpful to people in this kind of situation.

Last July (2010) several states began accepting applications from people who have no health care insurance; these applications were for high-risk insurance pools established through the Affordable Health Care Act.  In particular, the Pre-Existing Condition Insurance Plan (PCIP) was created to make health coverage available to Americans who have been denied coverage due to pre-existing conditions.

The Affordable Health Care Act included a provision for people with pre-existing conditions, one of the promises made by the current administration prior to the elections two years ago.  Another promise was to include health coverage for virtually every citizen.  The Pre Existing Condition Insurance Plan high risk pool thus addresses both conditions:  pre-existing condition and no health care insurance.

Some seniors find themselves in this situation now.  They are Baby Boomers not yet eligible for Medicare, and have no insurance; they find themselves in need of health care, and are being denied health insurance because of a pre-existing condition.  And they need health care they are unable to pay for themselves. 

The answer is the state high risk insurance pool.  If you or a loved one find yourselves in this situation, do an Internet search for your state’s high risk insurance pool; get the application information and pursue the opportunity afforded you by the new Patient Protection and Affordable Care Act.



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