A national 501 (c)(3) non-profit charity that provides direct services to patients with chronic, life threatening and debilitating diseases to help access care and treatment recommended by their doctor.
This article describes that sometimes it's not much fun trying to get answers out of your insurance company. Typically, each time you call, you speak with a different customer service representative and you may get different answers to a question you have. This inconsistency is really frustrating and upsetting, but here are some tips that might help you communicate with your insurer. But remember when speaking with them:
In this article you will learn that one of the biggest healthcare barriers patients hit can be navigating the details of their prescription drug coverage options. If you know that you’ll need prescription drug coverage, it is important to research and choose a plan that covers your medication. Under a healthcare plan, the list of covered prescription drugs is called a formulary. The formulary is usually divided into tiers or levels of coverage based on the type or usage of the medication. Each tier will have a defined out-of-pocket cost that the patient must pay before receiving the drug. During…
This article discusses the importance of keeping your Explanation of Benefits, known as EOB, in an organized system, usually by date of service, to reference as you progress through the insurance and payment portions following your care and medical treatment.
This article discusses that comprehensive insurance guarantees you a minimum amount of healthcare coverage for each area and type of medical service that you may encounter, including for example, doctor visits, prescription drugs, hospital stays, chronic medical care and/or surgery. The defined categories of well-rounded coverage are outlined in what’s called the Essential Health Benefits.
This article answers that you may have coverage from more than one health insurance plan. For example, spouses may have coverage for themselves and each other under their workplace plans. Older employees who are still working may have both Medicare and employer-sponsored coverage. Retired employees may have both retiree insurance through their final employer and Medicare coverage.