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Pre-Existing Condition Insurance Plan (PCIP) Coverage Extension

CMSEditor’s Note: We are sharing the following announcement from the Centers for Medicare and Medicaid Services (CMS) that individuals currently enrolled in the federally-run Pre-Existing Condition Insurance Plan (PCIP) who have not yet found new health insurance coverage can maintain their PCIP coverage until March 31, 2014. PCIPs were originally set to expire on December 31, 2013. This extension allows PCIP enrollees, including those who are living with HIV, to maintain access to care and treatment while they transition to Qualified Health Plans under the Affordable Care Act (ACA). This may be an important opportunity for many people living with HIV since the National Alliance of State and Territorial AIDS Directors Exit Disclaimer (NASTAD) estimates that as many as 4,000 PLWH have been enrolled in PCIPs.

The federally-run Pre-Existing Condition Insurance Plan (PCIP) will offer the option of two additional months of PCIP coverage to people currently enrolled in PCIP who have not yet found new health insurance coverage. This transitional coverage through March 31, 2014, will allow PCIP enrollees more time to review Marketplace plan options and enroll in the coverage that best meets their needs before open enrollment closes in March. They will be notified on Exit Disclaimer and by mail of this option to extend their PCIP plan through March, along with details about cost-sharing. Eligible enrollees can purchase PCIP transitional coverage by sending in February and March premium payments; which will be the same monthly rate that they paid for January 2014.

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PCIP enrollees can visit Exit Disclaimer for questions about benefits, doctors, & services.