Getting Insurance for Thyroid Problems
Synthroid is a hormone replacement drugs that is used to treat hypothyroidism, or low thyroid hormone. Although this medication is not a controversial treatment, some insurance companies may refuse to cover the cost. If you need thyroid medication, be prepared to fight with your insurance company if necessary. You will have to consult your insurance company before purchasing this medication so that you do not get surprised later. Even if your insurer says that they will provide coverage for your thyroid treatments, be prepared to file an appealing if necessary.
There are many reasons why an insurance carrier would not cover the cost of Synthroid. Insurance companies do not like to cover people with pre-existing medical conditions such as hypothyroidism, high blood pressure, heart disease, asthma, and diabetes. These conditions are all huge financial risks. There are other reasons why your claim might be denied, however. Sometimes the denial comes down to a simple coding error. Before you can appeal, you will need to know exactly why your insurance company denied your claim. You can either contact the company directly or look up the codes on your claim to figure out the reason.
At this point, you can appeal or try to find another insurance company that will provide coverage for hypothyroidism. If you choose to appeal, be prepared. The appeal process often takes a long time and usually involves a lot of paperwork. Appeal and dispute policies vary depending on the company. You will need to follow your insurance company's policies to the letter if you want your appeal to be approved. You should also keep a record of your conversations with your insurer as well as your treatment. Convince your doctor to write a letter that explains why Synthroid should be part of your treatment plan. If all else fails, you can try to find another insurance plan that will cover your medication.
If you are looking for a new health plan, the best option is to enroll in some sort of group health plan. These insurance plans do not exclude those with pre-existing conditions so you will be able to get coverage in no time. You will still need to make sure that a given group plan provides coverage for Synthroid, however. Try to find out before you enroll in a new plan. If you can not enroll in an employer-sponsored health plan, ask if any local organizations offer health insurance. You might be surprised.
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Source by Sean L Johnson