Insurance and deciphering what should be paid when and by whom is often a complex and intimidating task. It is well recognized that insurance companies and medical professionals/facilities have various methods for billing and providing coverage. To navigate the payment system, it is important to understand the basic terminology used in the health insurance industry.
Interviews with lung cancer patient caregivers revealed the following tips and techniques to consider when managing medical bills and insurance claims.
When considering various treatment options with the patient’s health care professional, the option of clinical trials may be part of the discussion. It is important to note that clinical trials may or may not be covered by insurance, and financial considerations may need to be explored further. Ask the patient's insurance provider about what is and is not covered to help your loved one make an informed decision.
The National Institutes of Health (NIH) maintains a website regarding clinical trials including frequently asked questions that may be useful to review as the patient considers trials as a treatment option.