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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

PCIP and CA Exchange

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Question: If I am currently enrolled in CA PCIP program, will it be necessary to then reenroll for new insurance via the new exchange? Also, there is a 6 month period where you cannot be covered by any insurance to enroll in PCIP. Will there also be a similar waiting period of non insurance for those ins plans offered by the exchanges? Will there be any pre existing condition exclusions allowed under the insurance co that will be in the exchanges?

Answer: Yes. You will want to enroll in a qualified health plan in the California Health Benefit Exchange or the private market outside the exchange in January 2014 when your preexisting conditions are no longer a factor. The coverage and rates should be better that PCIP. There will be no requirement that you be without health insurance for at least 6 months. The Affordable Care Act does not mention a waiting period and it is unlikely the California Exchange would require one. There will be no pre-existing condition exclusions in any plans after January 2014, either in the Exchange or the outside market.

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