How to Get Insurance to Cover Cystic Fibrosis Costs
The best way to get your insurance company to cover cystic fibrosis costs is to choose the right insurance. You will need to read documentation carefully and understand what your policy covers, and what percentages you will be required to pay.
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Instructions
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Get Medical Insurance to Cover Cystic Fibrosis Costs
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Purchase comprehensive medical insurance before you plan on becoming pregnant. Waiting to buy insurance could mean that your child's cystic fibrosis is considered an uncovered pre-existing condition.
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Read your health insurance plan thoroughly to see whether it is suitable to cover a child with cystic fibrosis. Look carefully at the sections concerning home health care and prescription medication coverage. Kids with cystic fibrosis may need specialized home care and mucus-thinning drugs throughout their lives. Purchase additional coverage where necessary to ensure costs will be covered.
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Carefully review any changes in your policy which the insurance company sends to you. Plans frequently change, and unless you read carefully, you may incorrectly assume you have the same coverage.
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Ask your insurance carrier about coverage for dependents over the age of 18. Kids with cystic fibrosis may not be able to support themselves and get their own insurance after they become 18. Discuss increased coverage to be sure these costs will be covered.
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Choose a plan with broader coverage and fewer exclusions, even when the premium will be higher. Paying a higher premium each month is much easier (and usually less costly) to maintain than having to pay higher co-payments on treatments.
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Choose an insurance plan with either no cap or a high coverage cap. A coverage cap limits the total amount the company is required to pay out over the life of the policy. Because cystic fibrosis will require lifelong care, you need a high cap.
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Keep all of your medical bills, receipts and prescription orders. These may be necessary to prove disputed charges.
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Keep a log of all medications, doctor and clinic visits and specialist treatments. This will make it much easier to discuss any potential dispute with the insurance company.
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Hire a lawyer to negotiate for you. Disputes over coverage can increase the stress you already have caring for someone with cystic fibrosis. Letting a lawyer act in your stead can allow you to focus on proper care.
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Tips & Warnings
If you believe your insurance company is not covering costs that they should, ask the human resources department at your job to talk to the insurer first. Insurance companies have more of an interest in keeping companies satisfied than in just one subscriber.
