The state of Connecticut will begin accepting applications next month for a new federally funded health insurance program that will cover people with pre-existing medical conditions.
Connecticut's Department of Social Services is scheduled to begin taking applications for the temporary high-risk pool beginning Aug. 1. Coverage will begin as early as Sept. 1.
Under the new Pre-existing Condition Insurance Plan, Americans who have been uninsured for at least six months and have been unable to get coverage because of a health condition can start enrolling in the states where HHS is administering the plan.
The new program aims to cover people with pre-existing conditions over the next three-and-a-half years, until the new federal healthcare reform law takes effect, and insurers can openly compete in the insurance exchange. At that time, all payers will be required to accept enrollees regardless of whether they have a pre-existing condition.
Connecticut will be using $50 million in federal funds to administer the program. Gov. M. Jodi Rell's office says premiums will range from $285 a month for adults under 30 to $893 for those 65 years old and older. Applicants must have a pre-existing condition to participate.
This temporary high-risk pool program is widely viewed as crucial to getting the most uninsurable people some relief right away. But a lot of unanswered questions remain about how the pools will be structured, and whether everyone who needs coverage will be able to get it, and if the $5 billion allocated to the program will be enough.