Breast Cancer Medication and Health Insurance Coverage Problems

March 20, 2011 - PRLog -- Tamoxifen is a type of cancer medication used to treat and prevent breast cancer. Although this drug is one of the less expensive cancer drugs, comprehensive health coverage can help ease the cost burden just when you need help most. Unfortunately, many insurance companies do not provide adequate coverage for cancer treatments. If you have breast cancer, you might have already discovered that insurers do not like to pay for cancer-related expenses. Although Tamoxifen will not bankrupt you like some other cancer drugs, you should still be prepared to fight for your right to coverage.

For more details and a preview look here:
http://www.knowthecancer.com/cancer-health-insurance

Before filing a claim, read your health insurance contract. There are two sections that you should look at very closely, the schedule of benefits and the section called limitations and exclusions. The schedule of benefits is a long list of procedures that your insurance company will pay for. Although your insurer might not mention specific drugs, you should make sure that cancer treatments are eligible for coverage. You should read over the limitations and exclusions section for much the same reason. You should not try to file a claim if cancer treatments are listed under exclusions. Doing so would be a guaranteed waste of time. If you have any questions about Tamoxifen coverage, talk to your insurance provider for clarification.

If your insurance company absolutely refuses to pay for Tamoxifen, you can appeal or try to find an insurance company that will allow you to enroll. Sticking with your current company is easier in some ways, but more difficult in others. You should mentally prepare yourself for a long battle that involves many appeals and even possible litigation. Ideally, your argument will be so convincing that your insurance provider will change its mind the first time you appeal. Statistically, such a positive outcome is unlikely. You will probably need to appeal several times, provide extensive documentation, and even write letters to the shareholders if you think it will help.

If you would like to switch insurance providers instead, there are several options available to you. Group health plans are the safest option because they do not question you regarding your medical condition. Of course, there is no guarantee that a group health plan will cover Tamoxifen. Another option is to enroll in your state's high-risk pool. These high-deductible insurance plans are designed specifically for people who cannot get health insurance through normal means. You will not be eligible for a high-risk pool if you qualify for Medicare or Medicaid.

If you need assistance in locating particular coverages at a pre-determined price, we can help you save up to 50% on your health insurance.

# # #

Know The Cancer is a topic to gives facts causes cancers. This may elaborate different types of cancers; it gives details throughout the whole system either for men or women: http://www.knowthecancer.com