- Children Diagnosed With Cancer: Financial and Insurance Issues
- Insurance is complicated
- Private health plan coverage for children
- How to manage your child’s health insurance
- Getting answers to insurance-related questions
- Keeping records of your child’s insurance and medical costs
- Handling a health insurance claim denial
- Keeping employer-sponsored health insurance coverage when you leave your job
- What if my child’s medical care is covered by more than one insurance company?
- Government-funded health plans
- Who regulates insurance plans?
- Options for uninsured children
- State coverage and health insurance options for the hard to insure
- What sources are available to help with treatment costs if my child doesn’t have insurance and there’s no public assistance available?
- Financial issues for families: Getting help with living expenses
- To learn more
Insurance is complicated
Health insurance or some kind of health coverage is a key work benefit. Everyone knows that hospitalization, surgery, radiation therapy, chemotherapy, medicines, state-of-the-art equipment and procedures, and a medical professional’s time are all costly. It eases some of the worry that comes with a major medical problem, but no health plan covers all the costs of treatment. Many people are surprised to find that, even for a major illness, not everything that’s prescribed will be approved or paid for by the health insurance plan.
In the effort to control medical costs, insurance companies have rules and guidelines that require hospital admissions, tests, treatment, and specialized care be approved ahead of time (pre-approved, pre-authorized, or pre-certified). And since health insurance is expensive for employers, they often limit benefits and pass along some of the costs to their employees. Families must be ready to deal with many phone calls, lots of paperwork, ongoing follow-up, and careful record keeping. This is a lot to add to your schedule. And it’s even harder when you are worried about your sick child and all the other problems illness can cause.
There are also new expenses that come with illness. Transportation, a place to stay during treatment, food, and child care for other children in your family are not part of your health plan. A parent may have to take unpaid time off work or give up a job because of treatment schedules. (See our information Family and Medical Leave Act for more about taking time off but keeping your job. You can find it on our website or call us to get a copy.) Missed time at work for one or both parents may cause a serious loss of income.
Parents who don’t have health insurance on their child may be even more concerned about how this might affect their child’s treatment. Whether families have insurance or other sources of payment, most families worry about the out-of-pocket costs they will face and how family income may be affected by their child’s illness.
Last Medical Review: 10/07/2013
Last Revised: 10/07/2013