Presbyterian State Coverage Insurance (SCI)
The State Coverage Insurance SCI program has currently reached its maximum enrollment and is no longer accepting applications. SCI is affordable healthcare coverage currently provided to low-income working adults who meet the SCI eligibility criteria, either through their employer or as an individual.
State Coverage Insurance Benefits
Once you enroll in the Presbyterian State Coverage Insurance Plan, you will enjoy affordable health insurance that provides coverage for services such as:
- Preventive care visits
- Visits to your doctor (see the SCI Provider Directory )
- Prescription Drugs (see SCI Pharmacy Benefits (.pdf))
- Prenatal care
- Hospital visits, urgent care or emergency services
- Lab tests and x-rays
- No pre-existing condition limitations
- Out-of-pocket maximums that help protect you
- Medical benefits up to $100,000 per year
- And more
Please refer to the Benefit Summary and the Member Handbook (.pdf) [also available in Spanish as the Manual para Los Miembros del Plan del Seguro de Cobertura Estatal [SCI] de Presbyterian (.pdf)] for more information about covered services with the SCI Plan.
SCI Plan Costs
The cost of the SCI Plan depends on the total household income of the person applying for coverage. Monthly premiums are determined by the total family income and whether the person will have the SCI Plan through an employer or as an individual. See chart below.
0-100 % of Federal Income Guidelines
101-150 % of Federal Income Guidelines
151-200 % of Federal Income Guidelines
If the SCI Plan is purchased through an employer, the employer pays the employer share of the premium as shown above, while the employee pays the employee share. If a person is self-employed, he or she pays both the employer and employee portions of the premium. Based on income level, there may be no cost for the SCI Plan.
2012 Federal Income Guidelines
0-100% of guidelines
101-150% of guidelines
151-225% of guidelines
The above chart is for illustration purposes only.
Total household incomes may be reduced by "income disregards." When an individual purchases an SCI Plan, he or she must pay both the employer and employee share of the premium, if any. Employers may elect to pay any portion of the employee premium and may also elect to pay any portion of the Adult Spouse premium.
What are the SCI benefits?
SCI is a limited insurance plan that will cover up to $100,000 per benefit year of medical services. There are three different plan designs, based on the income of the qualified individual.
Fraud and Abuse
The Presbyterian Health Plan and Presbyterian Insurance Company's Special Investigative Unit is responsible for the detection, investigation and reporting of potential fraud and abuse activity. We are required to cooperate with regulatory and law enforcement agencies in reporting any activity that appears to be suspicious in nature. According to the law, any information that we have concerning such matters must be turned over to the appropriate governmental agencies. Find out more.
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