by Bobbi Christensen-Meins, Community Program manager from Cancer Lifeline
Probably the second most paralyzing thought after you have been given a cancer diagnosis is "How am I going to pay for all of this?" Following are some questions and answers about insurance and cancer, as well as some helpful resources.
Q: My insurance company denied my claim for part of my treatment. What should I do?
A: One of the most important points for cancer patients concerning paying for treatment is never to accept the word "no." You will have to spend time preparing and filing appeals, but you may be able change a "no" to a "yes" and get the procedure covered. Check your plan benefits. If you think a procedure should be covered but your insurance company denied it, appeal in writing and ask them to reconsider. Include with your appeal a letter from your doctor explaining why the procedure was necessary.
Q: Can my new employer's group health plan deny me or impose a waiting period if I have been treated for cancer in the past?
A: If you have had continuous health insurance for at least 63 days before switching to the new plan, your new insurance cannot deny you or impose a waiting period for any pre-existing conditions, such as cancer. If you have had a gap in coverage, your new insurer can make you wait before it will cover care for pre-existing conditions.
The following organizations can provide you with more information:
SHIBA (Statewide Health Insurance Benefits Advisors)
www.insurance.wa.gov/shiba/index.shtml
(800) 562-6900
For information about and assistance with insurance.
Senior Services of King County/Seattle
www.seniorservices.org/
(206) 448-5720
Not just for seniors! Cancer patients may qualify assistance with a variety of issues.
Cancer Lifeline
www.cancerlifeline.org
(800) 255-5505
A 24-hour resource that provides information, emotional support and referral to other cancer services.
