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Affordable Health Insurance For Pre Existing Conditions
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State-run Insurance Pools Make Medical Coverage Available Nationwide
December 2010
Federally regulated medical coverage pools for people with pre-existing conditions have been up and running nationwide since September, and while these plans aren't free by any means, their availability has made a lot of people very happy.
Each state has their own set of costs and coverage associated with these pools. And although the plans were designed make affordable health insurance available to men and women with pre-existing conditions, there's no doubt that some people still can't afford them.
Costs for medical coverage range from state to state; for example Pennsylvania charges $283 dollars per month to get health care if you have a condition, while Missouri charges much more, $423 dollars per month. Other states, including North Carolina, charge a modest $180 dollars per month.
For this reason there have been fewer enrollees in the pools than had been previously estimated; many sick people don't have medical coverage because they can't afford it, not just because they've been denied coverage.
But to those facing thousands a month in medical bills, these plans do offer affordable health insurance - or at least more affordable coverage.
In order to qualify for these plans an individual must not have had insurance in the last 6 months and must have a pre-existing condition. Most states will require applicants to show them proof that they've been denied medical coverage buy an insurance company in the last 6 months.
The federal government is subsidizing this program to the tune of $5 billion dollars, so it is likely that the pools will run out of money eventually. Those who need the coverage are encouraged to sign up.
The plans will no longer be subsidized by 2014, when state-run insurance exchanges will theoretically be established and offering affordable health insurance to everyone.
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