How To Apply For The Pre-Existing Condition Insurance Plan (PCIP) In California

There are a number of Pre-Existing Condition Health Insurance Plans in California that include both economically priced as well as free services for the residents of California. While deciding the program that will meet their requirements, the California residents need to take a number of factors into account.

To satisfy the eligibility criteria for this California state sponsored health insurance program, the subscribers need to be the residents of California. In addition, they should not have been covered under any health insurance program in the state over the past six months. They should also be able to produce evidence of denial of health insurance coverage over the past one year period on the basis of pre-existing health conditions. Those California residents who can qualify for other state-sponsored health insurance coverage options including Medicare, COBRA or Cal-COBRA cannot qualify for the California’s PCIP pool. 

The California PCIP health insurance program offers coverage for a wide range of medical care requirements including preventive health care treatments, visits to the physician’s office, hospital services of both in-patient and out-patient types, rehabilitatio9n services, emergency care, ambulance services, anesthesia and surgical procedures, organ transplantations, cost of blood and blood products, clinical trials for cancer, x-ray and laboratory tests, family planning procedures, maternity care and pregnancy treatment, a range of therapies including physical, occupational, speech and infusion, nursing facility of a skilled type, nursing care both at homes and hospitals, durable medical equipments, prosthetics and orthotics, substance abuse and mental health treatment of both in-patient and out-patient nature. 

The monthly premiums of the California PCIP health insurance programs range between $107 to $557, while the cost depends on the age of the subscribers and the region in California where they live. California residents looking forward to get some information or assistance in subscribing to this program can either visit

Those California residents looking forward to obtain coverage under the California PCIP health insurance program need to get ready with the following requirements. The PCIP application duly completed along with the supplemental application and any proof to attest the pre-existing medical condition on the basis of which a health insurance policy was denied earlier. Subscribers can produce either a letter of insurance denial or a document containing the limitation of coverage with respect to the specific pre-existing condition. Alternatively, a letter given by a doctor that describes the health condition of the subscribers is also accepted.

The other requirements to be submitted to obtain a California PCIP health insurance coverage include any one valid proof of California Residency including driver's License or utility bill and a valid proof of U.S. citizenship or a U.S National or a Legal Immigrant Status including passport, permanent resident card or a Native American tribal document. To apply for the California PCIP health insurance program, the subscribers need to complete the MRMIP and the California PCIP Supplemental Application and submit them.