Insurance available to people with pre-existing conditions

August 3, 2011 5:45:14 PM PDT
People with pre-existing medical conditions have sometimes been denied medical coverage. Now, they can not only get coverage, but that coverage will be less expensive.

Premiums will be lowered for more than 3,500 Californians enrolled in the Pre-Existing Condition Insurance Program. It is part of the federal health reform passed last year.

The decreases just approved will range from 8 to 24 percent depending on the person's age and where they live.

A 27-year-old enrollee talked about severely injuring an ankle in a horse riding accident and then being denied coverage for a year after aging out of his mom's insurance program.

"It's kind of scary because, you know, if I have a problem what I am supposed to do? I can't go to the doctor, I can't get the coverage I need. You know, unless it's super important, I'm not going to go to the doctor because I know I can't afford it," said Brian McCarthy, a PCIP subscriber.

This program is a temporary bridge until pre-existing coverage will become even more affordable beginning in 2014.