Health Insurance – 6 ways to Maximize Your Coverage

When finances get tight, it’s more important than ever to be sure you’re getting the coverage you need from your insurance company.  But for people with migraine, or chronic daily headache, et cetera, things aren’t always so simple.  Sometimes it turns out that, when you most need the help, the insurance company lets you down.

Image © Yury Shirokov | Dreamstime.com

We’ve talked about this issue before.  We discovered from our online health insurance poll that about 30% of you still pay at least 50% of the cost of your medications out of pocket.  From many of your comments I’ve been reminded that we’re often reluctant to use treatments that could help because of the cost.  And remember the challenge of getting the drugs you need when you need them.

So what do you do?  Well, our visitors have risen to the challenge to share their best tips in the most recent Community Question.  I’ll let you read their comments for yourself, but here are some brief ideas to make sure you get the funding you need, when you need it:

• Be involved – be involved in your treatment, be involved with the insurance company – don’t just sit back and accept whatever happens.
• Be persistent – don’t give up!  Go through the process, ask questions, ask "why", ask for information, talk to someone else, find another doctor.
• Be creative – think outside the box.  Try to see it from the other person’s perspective.  Keep your eyes open for other options.
• Be organized – keep records on file, have a copy of your insurance policy, take note of who you last talked to on the phone.
• Be informed – know the facts and myths about your treatment, know the latest options and discoveries (hey, you’ve come to the right place!), know the official policies of your insurance company, know the law, know about the options the drug company may offer.
• Be bold – don’t be afraid to ask and question and ask again.  Remember, you’re not only helping yourself, you’re helping those that come after you in a similar situation!

But you’ve heard enough from me – go and see what our visitors had to say in our new article – Insurance: Getting covered with headache and migraine