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March 15 – April 30, and Sept. 15 – Oct.31
During open-enrollment times, children under age 19 cannot be denied health insurance because of a pre-existing condition. People looking for coverage for their children outside of the enrollment dates can apply either to the Washington State Health Insurance Pool (WSHIP), or if they qualify, to the new Pre-existing Condition Insurance Plan (PCIP-WA). To enroll in PCIP-WA, you must have been uninsured for at least six months and have a pre-existing medical condition.
Exceptions where parents can apply for individual coverage for their kids anytime include the birth or adoption of a child or if a child or the parent:
- Is no longer eligible for a state program.
- Loses coverage due to a divorce.
- Loses employer-sponsored coverage.
- Moves and their plan is not available where they live.
In 2014, when the full health reforms take effect, no one of any age can be denied insurance because of a pre-existing condition.
For more information on cutting your health care cost, please contact our Broker, Beth Cosker at bcosker@cgahealthbenefits.com or 206.985.2525.
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