Paclitaxel is an expensive drug used to treat some types of cancer. This drug can be incredibly expensive, but insurance companies often refuse to cover the cost of cancer treatments. This gives people with breast, lung, or ovarian cancer in an extremely bad position. People can go bankrupt due to the high cost of cancer treatments. If you have recently been diagnosed with cancer, you should check your health insurance contract to find out if you are eligible for coverage. Contact your insurance company if you have any questions. You should also be prepared for a drawn-out appeal process if the insurance company denies your claims.
Your health insurance contract should list conditions and procedures that are excluded from treatment. This section is usually called exclusions and limitations. Although your contract probably will not mention Paclitaxel specifically, it will let you know if your insurance company excludes cancer treatments in general. You will probably need to call your insurance company for clarification. Mention the medication you are taking as well as your condition. If your insurance policy does not cover cancer treatments, you will have to find another insurance plan or start the long appeal process.
Many health insurance plans do not accept people with pre-existing conditions such as cancer. Your best option is to enroll in some sort of group health plan, either through an employer or through an organization of which you are a member. Acceptance is no guarantee, however. You will need to make sure that any potential plan not only accepts cancer patients, but also covers the cost of cancer treatments and drugs such as Paclitaxel. You should also find out whether you are eligible for Medicaid, as this might help cover the cost of treatment. Another option is to enroll in a high-risk pool designed for people who have pre-existing medical conditions.
Your claims might be denied at first. In order to receive coverage for Paclitaxel, you will need to appeal. Each insurance company has a different appeal process. You will need to follow instructions closely so that your appeal is not dismissed outright. Get your doctor to testify on your behalf. He or she should also be prepared to discuss current research and cancer treatments. If all else fails, you might have to hire an attorney to assist you. A good lawyer can help your prepare for a potential legal battle. Although this process is expensive and time-consuming, you will need to keep on going. The cost of cancer drugs is simply too high.
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Source by Sean L Johnson