ABOUT THIS GUIDE
This Bleeding Disorder Resource Guide helps patients and their families
learn more about insurance coverage options and programs that offer
premium assistance and/or assistance with medication co-pays and
deductibles. Always check with your Hemophilia Treatment Center (HTC)
to identify additional programs and/or resources that may become
available.
HELPFUL TIPS FOR INSURANCE COVERAGE
It is helpful for patients to know what their plan provides and understand
their plan limits, co-pays, and deductibles. When considering making a
coverage change, the National Hemophilia Foundation (NHF) suggests
you keep the following questions in mind*:
GENERAL QUESTIONS WHEN CONSIDERING COVERAGE
1. What is the monthly/annual premium for the plan?
2. What is the sum total of my out-of-pocket costs, including medical
and prescription co-pays, deductibles and co-insurances?
3. Does it cover all the services I need? (Define those services for
yourself)
4. Are my physicians in the network?
5. Are there annual limits? If so, is it a maximum annual benefit limit
based on dollars or on number of visits? For example, mental
health coverage is usually limited to a certain number of visits per
year.
6. Are out-of-network benefits available? Am I covered if I get sick
out-of-state?
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