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Paying for Home Health and Hospice Care
Paying for Home Health and Hospice Care Home health care services may be paid for directly by the patient or family, through private insurance coverage, or through other sources. Many hospice care programs are provided to the patient regardless of the patient's ability to pay, although most costs for hospice are covered by Medicare. Always check with your insurance provider regarding terms of coverage. The following are sources of payment for home health care services: Self-pay. If a patient does not me...
Sample Appeal Letter for Services Denied as 'Not a Covered Benefit'
Sample Appeal Letter for Services Denied as 'Not a Covered Benefit' As someone with cancer or a caregiver for someone with cancer, you have enough on your mind without having to worry about payments and insurance. Unfortunately, some insurance companies may reject claims for certain health services. You do have the option to appeal, however. You can use this letter as a model for an efficient, effective appeal letter. You may also need to enlist the help of a legal professional. Make sure your doctor kn...
First My Illness...Now Job Discrimination
First My Illness…Now Job Discrimination The two major laws that exist to ensure that anyone with a disability or anyone dealing with a health crisis is not discriminated against are the Americans with Disabilities Act and the Family and Medical Leave Act . Listed below are the things you must know in order to understand and effectively deal with job discrimination. While the policies don't change daily, weekly or even monthly, please be aware that laws and regulations do change and that you should conta...
Understanding the Provisions of Your Managed Care Plan
Understanding the Provisions of Your Managed Care Plan The type of plan you have can affect who directs your medical plan of care (the physician), where that care can be delivered (the facility providing services), the length of time certain services can be administered (precertification/predetermination), and any additional cost of treatment to you (co-insurance). Managed care, by definition, is a comprehensive method of managing and coordinating medical care you receive. The goal of case management is...
Your Employment Rights as a Cancer Survivor
Your Employment Rights as a Cancer Survivor Work fulfills a critical financial and emotional need for most cancer survivors. In addition to providing income and important benefits such as health insurance, employment also can be a source of self-esteem. Cancer, however, may create barriers to finding and keeping a job, as well as wreak havoc on the ability to pay bills and to obtain adequate health insurance. Although most employers treat cancer survivors fairly and legally, some employers—either throug...
Insurance Rights of Cancer Survivors
Insurance Rights of Cancer Survivors When cancer strikes, you may start thinking about health insurance in a new light. Chances are, you will use your health insurance more than ever before. You also may have more problems with insurance than ever before. Don't be alarmed or discouraged, but do be vigilant. Types of Health Insurance It's important for cancer survivors--like everyone else--to have health insurance you can depend on. There are many kinds of policies out there, though not all offer adequat...