Children and adults previously locked out of the health insurance market because of cancer, heart disease, diabetes, HIV/AIDS or some other pre-existing condition have a new option. They can now seek insurance through the U.S. Department of Health and Human Services’ Pre-Existing Condition Insurance Plan (PCIP).

The plan covers primary and specialty physician services, hospital care and prescription drugs. Like other insurance, it requires a monthly premium, has a deductible and some cost-sharing; however, participants are not charged a higher rate because of an existing medical condition – and there is no lifetime cap.

Recently, Indiana premiums were lowered 26 percent. The plan’s provider network for Hoosiers includes 30,960 physicians, 1,199 pharmacies and 267 hospitals throughout the state.

Created under the Patient Protection and Affordable Care Act, PCIP requires enrollees to be U.S. citizens or legal residents denied insurance because of their health status and without health insurance for at least six months before applying.

Direct your patients to learn more at www.pcip.gov or call toll-free (866) 717-5826, weekdays up to 11 p.m.