Health Care Reform & Me

Doesn’t health care reform force the insurance companies to cover me regardless of any pre-existing conditions or health history? There has been a lot of confusion since March 2010 about coverage for people considered to be a high risk for insurance companies because of a past medical incident or expensive Rx drugs. You can read the 2,000 page document  yourself or check out our Health Reform Timeline to keep track of what you can expect in the coming years.

In Colorado, effective July 6, 2010, eligible residents earned the ability to apply for coverage through the state’s Pre-Existing Condition Insurance Plan. This program, run by the Rocky Mountain Health Maintenance Organization, provides coverage if

  • You are a citizen of the United States or a lawful resident,
  • You have been uninsured for at least six months, and
  • You have had a problem getting insurance because of a pre-existing condition
  • The cost ranges from $115 per month (up to 18 years old) to $806 (ages 60-64) with medical and Rx deductibles.

As of September 23, 2010, carriers were mandated to accept any child, regardless of pre-existing condition. What the legislation does not control is the rate and deductible that allow under such conditions. Parents felt limited relief from this health reform mandate. You can always stay up to date on reform at the  government site. For help understanding the real options you have, contact your broker.

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