The Center for Patient Partnerships - Pathways to Empowerment

Stories

Jim was a 60-year-old foreman at a local factory when he was diagnosed with pancreatic cancer that had spread to other organs. Jim was about to undergo intensive radiation treatment that would keep him from performing the main duties of...

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Insurance and Benefits

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Questions You May Have


Without insurance, how am I going to pay for treatment?
I have insurance, but I am still receiving bills for thousands of dollars. What now?
My insurance company has denied coverage for part of my care or treatment. Can they do this?
What public benefits might I qualify for?
What are the differences between a HMO, PPO, and POS plans?
What’s the deal with these “health savings accounts” or “flexible spending accounts?”
I’ve heard that hospitals have to provide some free care. How can I find out if I am eligible?
I have a “pre-existing condition” and am self-employed. How can I possibly qualify for individual health insurance coverage?
My job is going to end soon, and I’m not sure what to do next regarding health insurance.
What should I know about private disability or income continuation insurance?
When do I need to get a referral, and what should I consider when doing so with regard to my insurance plan?
I feel like simply making an appointment with an out-of-network doctor and worrying about the coverage later. Is that the best move?
How can I gather estimates of predicted out-of-pocket costs when going out-of-network?
What are “usual, customary, and reasonable” rates, and how can they affect my out-of-pocket costs?
What should I know about domestic partner benefits?
I keep seeing discount prescription cards at Walgreen’s/Wal-Mart/etc. What are they for?
I have talked to so many people at my insurance company that I’ve lost track of all their names. Now it’s my word against theirs. What should I do?
I keep getting “transferred” to another phone line by my insurance company rep, or told to call someone else. How do I avoid getting the run-around?
I have several different types of insurance covering people in my family. The paperwork is overwhelming. What can I do to manage it?

Resources

About Insurance (survivorshipatoz.org)

Government Benefits (survivorshipatoz.org)

Resources for the Uninsured (covertheuninsured.org)

Social Security Disability Benefits (ssa.gov)

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