You must come to know what kind of health insurance you have to find the answer to this question. For example, some HMO health plans do cover everything so you would have little or nothing to contribute in payment. The exception would be any co-payment that is required.
A common form of health insurance is based on a percentage split between you and the insurance company. Typically the insurance company agrees to pay 80% while you pay 20% up to a specified amount, and then the insurance company sometimes pays 100% of the health care costs. But also note the dollar limit the insurance company has agreed to pay on the lifetime of your policy.
Some people have Medicare which usually uses the 80% to 20% payment rule. These people can also obtain a supplemental policy that can help cover additional costs.
A very important part of your health insurance policy is how it covers medication costs. Find that paragraph in your plan and know its limits.
When insurance covers Mesothelioma cancer, look for specifics . Does the policy cover durable medical equipment such as wheelchairs and portable oxygen tanks used in your home?
Also, consider a Clinical Trial and being part of a research project about your disease. If you qualify, you will be doing a great service for future generations looking to a cure of Mesothelioma, and the Trial sponsor may offer to pay for or simply provide an important portion of your medical care instead of the insurance company.
There is a lot to consider and when you have Mesothelioma so the last things you want to worry about are the details of insurance coverage. This is why your insurance carrier has representatives to speak with about these concerns. Call the representative and ask your questions. Have them call out by paragraph number from your policy their answers, and take note of these citations. When you’re not sure you understand their explanation, ask them “Try again, please! What does that mean in other words”? Make them be clear for your understanding. If your policy is connected with your job, there may also be someone at work that can explain your coverage benefits.
Having the insurance coverage is important, so do what you can to have the policy not lapse or expire. Your employer is also required to help get use of your COBRA eligibility when you cannot work anymore and are not returning to the job. The COBRA program allows you to keep your insurance for awhile but its duration is situation specific, so you’ll need to ask. COBRA is not free, you will have to pay for it, but it is an option that helps y0u stay covered by insurance while you find a replacement plan.
