www.cancer.gov 7 Does my health insurance pay for chemotherapy? Talk with your health insurance company about what costs it will pay for. Questions to ask include: Î What will my insurance pay for? Î Do I need to call my insurance company before each treatment for it to be covered? Or, does my doctor’s office need to call? Î What do I have to pay for? Î Can I see any doctor I want, or do I need to choose from a list of preferred providers? Î Do I need a written referral to see a specialist? Î Is there a co-pay (money I must pay) each time I have an appointment? Î Is there a deductible (certain amount I need to pay) before my insurance pays? Î Where should I get my prescription drugs? Î Does my insurance pay for all my tests and treatments, whether I am an inpatient or outpatient? How can I work with my insurance plan? Î Read your insurance policy before treatment starts to find out what your plan will and will not pay for. Î Keep records of all your treatment costs and insurance claims. Î Send your insurance company all the paperwork it asks for. This may include receipts from doctors’ visits, prescriptions, and lab work. Be sure to also keep copies for your own records. Î As needed, ask for help with the insurance paperwork. You can ask a friend, family member, social worker, or local group such as a senior center. Î If your insurance does not pay for something you think it should, find out why the plan refused to pay. Then talk with your doctor or nurse about what to do next. They may suggest ways to appeal the decision or other actions to take.
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