Bleeding disorders can be very expensive medical problems. The total cost of treatment varies from patient to patient depending on the type of disorder, where the patient gets treatment, how often treatment is needed, and what complications may arise.
Most people with bleeding disorders rely on "third party payers" to help meet these expenses. These third party payers may be insurance companies or government programs such as Medicaid or Medicare. Applying for help from third party payers, however, can be baffling. The process often involves a lot of paperwork, red tape, and delays. Services and benefits vary depending on a number of factors, including location, income, and health status, making it hard to know where to turn.
The purpose of Money Matters is to suggest how you might begin to find help paying for medical care. This chapter includes tips on finding life and health insurance. It also lists some state and federal programs which provide help with medical and living costs.
Both the state and the federal governments adjust health care funding often. Laws and assistance programs change. The social worker at the HTC can help you and your family keep up with the changes. The social worker can help explore all the options. This member of the comprehensive care team can offer financial counseling, suggest programs to which you can apply, and help with the process. Through your HTC, you may also hear about insurance companies or agencies which have served other patients well.