Finding Information. Financial Resources.Treatment of a new medical condition can cost a lot of money at a time when you are already feeling emotionally drained. While there are not many sources of financial assistance, it is important that you understand what your rights are and what resources may be available to you.Understand your insurance and what’s covered When facing a new condition, you may be concerned about whether your insurance will cover the cost of care—especially if you see an out-of-network provider. Insurance plans vary, but many plans will relook at coverage in special cases and may make exceptions. You should be prepared to prove why you need to be seen by an in-network provider. When possible, you will want to contact your health plan ahead of time to find out about your options. If you do want care from an out-of-network provider, you should contact your health plan and ask about the steps involved in the review process. Learn if you qualify for disability benefits If you have been diagnosed with certain life-threatening conditions, you may be eligible for social security disability benefits (which can include Medicaid coverage). Children with certain conditions may also be eligible for these benefits. Benefits are based on the income level of the family or person involved. For more information, contact the Social Security Program directly to set up an interview. At some hospitals, you can get an application for disability benefits from the hospital social worker. It can take several months for your application to be processed and your benefits to become active. So you will want to apply for benefits as soon as possible. Find help to cover flight and transportation costs Several programs provide transportation for people seeking out-of-town medical care, such as:
Learn about lodging If you are traveling far from home for treatment, you may have concerns about lodging. Some hospitals allow a family member to stay overnight, especially if the patient is a child. But many do not. You will want to ask about the hospital rules ahead of time so that you know your options. The social work or patient services departments are good resources to ask. For families of seriously ill children, the Ronald McDonald House may be an option for lodging. The Ronald McDonald House is different in each city (some only house families of cancer patients). So you will want to speak with them as far ahead of time as possible to see if they have room for you.
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eHealth Initiative 818 Connecticut Avenue NW, Suite 500, Washington, DC 20006 Phone: 202-624-3279 - Fax: 202-429-5553 |