A pre-existing condition can be termed as an injury or illness, present in an individual, prior to acquiring a health insurance plan. Depending on the condition’s seriousness, most of the insurance organizations, either deny insurance plan for that applicant or exclude the coverage of treatment pertaining to that pre-existing medical condition. Vermont pre-existing condition insurance plan (PCIP) helps the state residents to obtain insurance policy, even in the presence of a pre-existing health condition.
Before the implementation of Affordable Care Act, the individuals with pre-existing health conditions, who were not provided with coverage plan through their employers, did not have many options to receive the health care they required. Pre-existing conditions like cardiovascular diseases or diabetes can make it difficult for obtaining a health insurance. Vermont State has passed a law which mandates the insurance providers to accept the applicants for individual health insurance plans, regardless of their age, health risk or pre-existing conditions. This rule guarantees the issue of a health insurance policy to qualified individuals.
To qualify for pre-existing condition health insurance plan in Vermont, you must meet the specified guidelines of the state.