How the bill relates to someone with a pre-ex medical condition

Effective 7/1/2010:

• Children under the age of 19 can not be declined coverage for a pre-existing medical condition when applying for private health insurance such as BCBSIL, Humana and Aetna

• When between 19-26 years of age a "dependent" will be allowed to join their parent's plan of health insurance
• If the parents can not afford the premium for the addition of their dependent, than coverage can be denied based on pre-ex in the private market

• If you are above 26 years of age and have a pre-ex, coverage can still be denied or offered with an exclusion rider on the specific medical condition and treatment
• Illinois has had the Illinois Comprehensive Health Insurance Plan (ICHIP) in place for a long time.  This is the high-risk pool for the un-insurable in Illinois
• What the bill is providing, is more state high-risk pools such as ICHIP

Hope this helps with the confusion out there!

-The Shoppe