New York State’s health insurance plan for people with
pre-existing medical conditions

In March 2010, Congress passed the health care reform law, the Patient Protection and Affordable Care Act. The law created a temporary program until January 2014 that makes coverage available for individuals who have a pre-existing medical condition, have not had insurance for six months, and who are legal US residents.

This new program is called the Pre-Existing Condition Insurance Plan (PCIP) and will be available throughout the country. In New York State, the PCIP plan is the NY Bridge Plan, administered by GHI, an EmblemHealth company.

PCIP plans will operate until the year 2014. At that time other provisions of health care reform will go into effect and state health benefit exchanges will be available for individuals to purchase coverage.

Highlights of the NY Bridge Plan Covered Services
No Deductibles Preventive Care	$20 Office Visit Copay $500 Inpatient Per Occurrence Copay $100 Emergency Room Copay	Pharmacy Benefits Vision Care

The NY Bridge Plan provides “a bridge” of health insurance from October 1, 2010 until January 1, 2014 for New Yorkers with pre-existing medical conditions.

© 2012 Group Health Incorporated. All Rights Reserved.
PCIP is partially funded by the federal government and subject to federal regulations established under the Patient Protection and Affordable Care Act. New York State has designated GHI to administer PCIP in New York. PCIP is not commercial health insurance underwritten by GHI.