Mesothelioma Insurance Claims
Mesothelioma patients should do all possible to have and keep an insurance plan that covers cancer treatments. There should be no gaps in coverage, as this could lead to substantial out-of-pocket costs.
However, filing mesothelioma insurance claims can be difficult for patients to manage, and understanding the complicated terms and procedures can be overwhelming.
It can also be distressing to deal with the tremendous amount of paperwork and mail that mesothelioma insurance claims can bring.
It is extremely important to note, health insurance companies use a prior authorization system to confirm that a drug, service, or procedure is necessary before it is done. In turn, if something is done before a health insurance plan approves it, the patient could be responsible for the full cost.
It is critical that patients keep a careful record of medical bills, insurance claims, and payments. These will be invaluable if disputes or errors in billing arise.
The American Cancer Society offers the following helpful tips:
- Do not allow gaps in health insurance
- Pay premiums and other costs in full and by their due dates
- Whenever possible, call the insurance company to make sure planned surgeries, procedures, or treatments do not require prior authorization
- Request a caseworker or social worker to help if finances are limited
- Send bills in for reimbursement as you receive them
These tips may sound easier said than done when faced with such a devastating diagnosis as mesothelioma. It may feel impossible to stay on top of the amount of work that mesothelioma insurance claims can create — but with careful organization, it can become manageable.
Some steps mesothelioma patients and their loved ones can take include:
- Assign one person to be record-keeper
- Identify what is tax-deductible
- Keep originals of the records regarding what is tax-deductible
Patients and families should also keep copies of all paperwork, including:
- Letters of medical necessity
- Explanations of benefits (EOBs)
- Requests for sick leave or FMLA
- Travel, meals, and lodging expenses
- Prescription records
- Insurance company correspondence