Depending on how your loved one is feeling, she may be able to handle paperwork and phone calls associated with work, finances, insurance, and legal issues. But she may need help and you may find yourself helping more and more with these important matters as time goes on. It’s wise to begin to familiarize yourself with them. Your Woman to Woman volunteer, hospital social worker, and other trained staff should be able to help guide you through the process of organizing paperwork, applying for government assistance, and dealing with legal documents and the insurance company.
The first step will be determining what her insurance company covers, or if she is uninsured, determining eligibility for group policies through professional or retired groups, such as teachers’ unions or professional industry organizations, or Medicaid.
- Make sure that she stays up-to-date on insurance premiums to avoid a lapse in coverage.
- Find out if pre-authorizations will be needed for any test or procedure to avoid unexpected costs.
- Connect with the case manager assigned by the insurer. These individuals provide a link between the insurer and the healthcare system and can help streamline the processing of claims.
- Be prepared to file a grievance if a claim is denied. The process for appealing a denial should be spelled out in your policy. Make sure all receipts and insurance communications are saved as a matter of course.