Since You Asked
IDF Question and Answer
Question:
I will soon be priced out of being able to afford my infusion treatments since my share of the cost is going from a $50 copayment to 20% coinsurance. What can I do?
Answer:
You are not alone! We have seen that many insurance companies are changing their coverage from a flat copayment to coinsurance. It is very difficult for many patients to afford this significant increase in their out of pocket costs. However, there is help! Patient Services Inc (PSI) has introduced a pilot program for copayment assistance. They realize the most difficult challenge many patients with PIDD are facing is their ability to pay for their high cost treatments. Based on an individual’s financial, medical, and insurance situation, the program will provide financial assistance for qualifying patients’ out of pocket costs. This assistance is available for a 1-year period. You can contact PSI at 800.366.7741 or visit the website at www.patientservicesinc.org.
Question:
My open enrollment period is fast approaching and the insurance plans being offered have changed. What do I need to look into before selecting a new plan?
Answer:
It is very important to consider several things when choosing a new health plan.
1. Does the policy cover IVIG or SCIG treatments?
2. Is the facility or my home where I currently receive treatment a covered location?
3. What is the cost of my treatment? Do I have a copayment or coinsurance?
4. Is there an annual deductible and how much is it?
5. What is my maximum out of pocket expense each year?
6. Are my current physician and pharmacy participating providers of the health plan, and if not, does the plan have “out-of-network” coverage?
By asking the above questions and comparing the answers to the different plans being offered, you should be able to make an informed decision on which health plan is best for you.
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