Know the insurance business
When you have MS in the United States, you must learn about health insurance. It could save you a lot of money and headaches by just learning the rules.
Much of the information you can get by visiting your health insurance company's website. They should have a list of medications they will agree to pay for (formulary) as well as doctors who are in their network. Much depends on what type of plan you have (e.g., PPO, POS, HMO, etc.).
I have had to follow up with my insurance companies many times to get benefits which they initially declined. They have always been willing to work with me. One important point is that many insurance companies require prior authorization before you do certain procedures (such as MRIs). I always check and double-check that the prior authorization has gone through before I have procedures done. I'm not an expert, but I know enough so I'm aware of what is and what is not covered.
Some of the treatments for multiple sclerosis cost over $10,000/year. Learn as much as you can so you can maximize your insurance benefits. It could save you a lot of money.
Much of the information you can get by visiting your health insurance company's website. They should have a list of medications they will agree to pay for (formulary) as well as doctors who are in their network. Much depends on what type of plan you have (e.g., PPO, POS, HMO, etc.).
I have had to follow up with my insurance companies many times to get benefits which they initially declined. They have always been willing to work with me. One important point is that many insurance companies require prior authorization before you do certain procedures (such as MRIs). I always check and double-check that the prior authorization has gone through before I have procedures done. I'm not an expert, but I know enough so I'm aware of what is and what is not covered.
Some of the treatments for multiple sclerosis cost over $10,000/year. Learn as much as you can so you can maximize your insurance benefits. It could save you a lot of money.