In this article you will learn that if your insurance plan refuses to approve or pay for a medical claim, including tests, procedures or specific care ordered by your doctor, you have guaranteed rights to appeal. These rights were expanded as a result of the Affordable Care Act.

This article details that a second opinion is when a doctor other than your primary one reviews your medical chart and test results to give you a diagnosis and treatment recommendation.

This article explains that being able to consistently take a medication your doctor has prescribed for you is an important part of staying healthy and managing any chronic conditions you have. If you hare having difficulty accessing prescribed medications or supplies, you may find the following action steps helpful.

This article discusses the many different programs that can work as financial safety nets if your diagnosis makes it difficult to maintain employment.

This article informs that Short Term disability (STD) pays between 40 to 70% of your base salary, for non-work related illness or injury that prevents you from working for a set-period of time. Work related injuries are covered by workers compensation.

This article explains that Medicare coverage kicks in for most SSDI recipients two years after the first month they are eligible for their monthly disability benefits.

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.

In this article, we discuss how 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.

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 common insurance challenges that may happen when you're trying to access your medications.