Health Care Reform High-Risk Pools to Accept Applications

Health Care Reform High-Risk Pools to Accept Applications

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Health Care Reform High-Risk Pools to Accept Applications

Starting on July 1, 2010, residents in some states will be able to apply for the new high-risk pools established under health care reform. The high-risk pools will provide coverage to around 200,000 people with pre-existing conditions who cannot get health insurance coverage elsewhere.

Although the pools were supposed to be implemented last week — within 90 days of passage of the health care law — the programs will coincide with the start of the states’ fiscal years according to USA Today.

For the 20 states that opted to have the Department of Health and Human Services (HHS) to run the high-risk programs, residents will be able to apply for coverage on Thursday.

The other 30 states that decided the run the programs will not have the pools ready on time. In Michigan, residents will be able to get insurance coverage in October. Illinois and California hope to enroll people by August.

Illinois is expecting to receive $200 million from the federal government to run the pool, which will be called the Temporary High Risk Pool. The state estimates that this budget will provide coverage for 4,000 to 6,000 residents in the new program.

The Illinois Department of Insurance Director Michael McRaith said that with the limited budget they are trying to minimize administrative costs while maximizing enrollment. McRaith believes more individuals will enroll then what the federal budget will be able to cover and says there will be strict eligibility requirements.

The new high-risk pools will provide relief to many across America, hopefully every state will have a pool operating by the end of the summer.

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