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Breast Cancer Medication
Tamoxifen is a type of cancer medication used to treat and prevent breast cancer. Although this drug is one of the less expensive cancer drugs, comprehensive health coverage can help ease the cost burden just when you need help most. Unfortunately, many insurance companies do not provide adequate coverage for cancer treatments. If you have breast cancer, you might have already discovered that insurers do not like to pay for cancer-related expenses. Although Tamoxifen will not bankrupt you like some other cancer drugs, you should still be prepared to fight for your right to coverage.
Before filing a claim, read your health insurance contract. There are two sections that you should look at very closely, the schedule of benefits and the section called limitations and exclusions. The schedule of benefits is a long list of procedures that your insurance company will pay for. Although your insurer might not mention specific drugs, you should make sure that cancer treatments are eligible for coverage. You should read over the limitations and exclusions section for much the same reason. You should not try to file a claim if cancer treatments are listed under exclusions. Doing so would be a guaranteed waste of time. If you have any questions about Tamoxifen coverage, talk to your insurance provider for clarification.
Start by reviewing your own insurance company's policies regarding cancer and preventative treatments. If you start out by knowing what they allow or expect, you will have less let-down and struggle later. If they don't cover treatments like Tamoxifen, find a company that will. In many cases, you can even talk to the drug company about getting on a program that will help you afford your medications. Of course, having private health insurance is always going to be easier and less hassle. Private insurance companies aren't out to get you. They are just out to make a profit.
When it comes to maintenance treatment and ongoing care for things like cancer and other chronic diseases, insurance companies lose a lot of money. If they spend months paying for expensive prescriptions that you need for your situation, they are losing profits because you are ill for a longer period of time. In most cases, insurance companies deny these medications because it simply costs them too much money to pay for them. Take the time to find out about cancer treatment options and prescription coverage when you are looking at health insurance so that you don't find out that you aren't covered when it is already too late.
Breast Cancer Medication
Tamoxifen is a type of cancer medication used to treat and prevent breast cancer. Although this drug is one of the less expensive cancer drugs, comprehensive health coverage can help ease the cost burden just when you need help most. Unfortunately, many insurance companies do not provide adequate coverage for cancer treatments. If you have breast cancer, you might have already discovered that insurers do not like to pay for cancer-related expenses. Although Tamoxifen will not bankrupt you like some other cancer drugs, you should still be prepared to fight for your right to coverage.
Before filing a claim, read your health insurance contract. There are two sections that you should look at very closely, the schedule of benefits and the section called limitations and exclusions. The schedule of benefits is a long list of procedures that your insurance company will pay for. Although your insurer might not mention specific drugs, you should make sure that cancer treatments are eligible for coverage. You should read over the limitations and exclusions section for much the same reason. You should not try to file a claim if cancer treatments are listed under exclusions. Doing so would be a guaranteed waste of time. If you have any questions about Tamoxifen coverage, talk to your insurance provider for clarification.
Start by reviewing your own insurance company's policies regarding cancer and preventative treatments. If you start out by knowing what they allow or expect, you will have less let-down and struggle later. If they don't cover treatments like Tamoxifen, find a company that will. In many cases, you can even talk to the drug company about getting on a program that will help you afford your medications. Of course, having private health insurance is always going to be easier and less hassle. Private insurance companies aren't out to get you. They are just out to make a profit.
When it comes to maintenance treatment and ongoing care for things like cancer and other chronic diseases, insurance companies lose a lot of money. If they spend months paying for expensive prescriptions that you need for your situation, they are losing profits because you are ill for a longer period of time. In most cases, insurance companies deny these medications because it simply costs them too much money to pay for them. Take the time to find out about cancer treatment options and prescription coverage when you are looking at health insurance so that you don't find out that you aren't covered when it is already too late.