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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.
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 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:
This article discusses that every time you receive care from a provider or file a claim for services received, your insurer will send you an “Explanation of Benefits.” This form is not a bill. It explains what medical treatments and/or services were provided and the amount the insurance company will pay towards any covered charge.
This article explains that as health insurance plans change and options vary, the same holds true for providers and health care facilities. Although there may be more treatment alternatives for patients available now, that doesn’t necessarily translate into more treatments covered. Because out-of-network costs add up quickly, it is important you become familiar with your plan and whether your health care provider is in your network.
This article discusses that although most people have heard of an Explanation of Benefits, commonly referred to as an EOB, they may be unsure of what it means. After you’ve visited a doctor, clinic or hospital, you should receive an itemized list summarizing the services provided to you. This is sent to you by your insurance provider and explains what portion of your medical services your insurance will cover versus what portion you are responsible for paying.
In this article you will learn that preventive healthcare services are now covered under the Affordable Care Act. Offering free annual preventive healthcare visits for patients will hypothetically lower healthcare costs and improve health across the nation. The thought is that if you find a disease in a patient early and are able to treat it, not only will you prevent the disease from progressing, you’ll save money on treatment, and you’ll prevent pain and suffering down the road.
This article explains that EOB formatting will vary from insurance company; however all EOBs should contain the following information. Each section of this sample EOB corresponds to the following explanations. Enrollee Name and Policy Number: Identifies the policyholder.
If you’ve been diagnosed with a chronic, debilitating or life-threatening illness, chances are you’ve found yourself staring at complicated bill for services you’ve received. If you don’t understand some of the items on the bill, you’re not alone. Learn how to decode your medical bills and know exactly what you’re being charged for and how much it should cost.