State health plan covers pre-existing conditions

Filed under Healthcare

Eight months after government-run insurance plans took effect for those with pre-existing conditions, many consumers aren’t aware of their existence, The New York Times reported. The plans, which were required by health care reform legislation and are subsidized by $5 billion in federal funds, provide health insurance to those who have been uninsured for at least six months, the article said.

The federal plan, which currently has an enrollment of about 12,000, requires applicants to show proof that they applied for insurance and were denied because of a pre-existing condition, the story said. State-run plans set their own requirements and premiums, though Illinois’ plan carries the same requirement as the federal plan. Premium rates in Illinois range from $99 to $607 a month for non-smokers with deductibles of $1,000 to $2,000 and maximum out-of-pocket limits of $5,950, according to the Illinois Department of Insurance’s website. Rates vary by age and area of residence. For more information about Illinois’ program, visit the site or call 877-210-9167.

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