Category Archives: It Matters Empowerment Pathways

Negotiating Medical Costs

This article designed for the cardiovascular community discusses ways to stretch your dollar where health care is concerned and tips to use to help you save.

What Does an Approved Pre-Authorization Mean?

This article describes that a pre-authorization is a restriction placed on certain medications, tests, or health services that require your doctor to first check and be granted permission before your plan will cover the item and the steps required to get one.

Family Medical Leave: What You Need to Know

This article informs that it is important to know that the Family Medical Leave Act (FMLA) gives you certain workplace protections and helps preserve your income.

Exploring Drug Tiers and Exceptions

This article explains that most health plans have a list of covered medications called a formulary, that are chosen by a committee made up of doctors and pharmacists.

Filing a Formulary Exception

This article informs you if you need a medication that is not on your plan list, that you can formally ask your insurer to cover the medication for you by submitting a “formulary exception” and how to.

Heart-Friendly Insurance

This article provides tips for the cardiovascular community in selecting insurance. Health insurance helps you reduce the high cost of your care, while also providing rehabilitation and preventative services that can help you stay healthy.

My Insurance is Not Paying For My Medications

This article discusses that since medications must be paid in full before you get them in your hands, you may first become aware of an insurance issue at the pharmacy counter.

Organization: Your New Best Friend

This article provides tips to get organized with the huge amount of paperwork that comes along with your healthcare that can be a challenge to manage.

Navigating Pre-Authorizations: Procedures or Testing

This article describes that a pre-authorization is a restriction that requires your doctor to get the go-ahead from your benefit plan before a procedure or test will be covered and other pre-authorization facts.

What if Your Prescription Costs Too Much?

If your medications are too expensive, this article provides tips for saving money on prescriptions!