The Affordable Care Act, signed and passed in March of last year, holds many benefits for those both pre- and post-transplant. While you may already be familiar with some of the Act’s immediate benefits, it’s in your interest to understand how long-term initiatives may improve your healthcare coverage in the future.

General benefits to look for

If you have been denied insurance due to a pre-existing condition—such as a history of transplant or kidney disease—the Act is creating ways to help1,2:

It removes lifetime coverage limits and sets more reasonable annual limits

As of September 2010, it eliminated pre-existing conditions as a reason for denying coverage to, or setting high premiums on, individuals up to 19 years of age

Effective 2014, it will eliminate pre-existing conditions as a reason for denying coverage to, or setting high premiums on, individuals 19 years and older

Your options until 20143

Most significantly, the Act has created the Pre-existing Condition Insurance Plan (PCIP)—which may provide you affordable, non–income-based coverage if you’ve been uninsured or denied insurance for at least 6 months due to a pre-existing condition.4

Standard PCIP benefits include primary, specialty, and preventative care; hospitalization services; and prescription drug coverage.4 Depending on where you live, these benefits may either be managed by the federal government or the state.4 Click the map for benefits, coverage rates, and enrollment details specific to your state of residence5:

If your PCIP program is run by the state, you will be offered a single plan by that state; but if it is run by the federal government, you will have the option of selecting from the following 3 plans6-8:

Be sure to read the 2011 PCIP Brochure and the PCIP Benefits Summary before discussing your options with a financial coordinator or PCIP representative.

Your access to coverage is critical to your transplant health. With the help of the Affordable Care Act, you are now many steps closer to ensuring a successful journey ahead.

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