Question: I have a preexisting condition and can’t get health insurance. PCIP has stopped taking applications. Is there any other way I can get covered between now and Jan. 1, 2014?
Answer: Yes. PCIP/MRMIP applications are being screened for eligibility for the Major Risk Medical Insurance Plan. MRMIP, the California state high risk pool is still open for new enrollment and available for individuals with pre‐existing conditions.
Individuals may qualify for MRMIP if:
- They are a resident of California.
- They have a pre‐existing condition as shown by:
- A denial letter from a health insurance company or health plan dated within the last 12 months, or
- An offer of individual (not group) health coverage with premiums that are higher than the rates of your first MRMIP plan choice. The offer letter must be dated within the last 12 months, or
- Involuntary termination from a health plan, Health Insurance Company or employer plan for reasons other than fraud or non‐payment of premiums. The involuntary termination letter must be dated within the last 12 months.
- They are not eligible for Medicare Part A and Part B (except for end‐stage renal disease) or for COBRA or Cal‐COBRA benefits.
For more information about the MRMIP or to request a copy of the PCIP/MRMIP Application and Handbook, please www.mrmib.ca.gov, or call 1‐800‐289‐6574.