
Losing your job can be a very scary experience especially if you or a close member of your family has a chronic illness.
What should you do immediately after finding you will have a lapse in insurance coverage?
Termination Date: once you receive the notice that your health insurance has been cancelled it is important to look for the exact date of termination. Call the carrier and explain your situation. Typically if a bleeding episode or other accident happens you should be covered as long as the event happened within the period of coverage.
COBRA: The second item that you need to address is weather or not your former employer offers a COBRA program. COBRA gives a former employee the right to coverage for up to 18 months after the date of termination.
Who Can Help?
Hemophilia Treatment Center: There are many ways in which your local HTC can help. The staff is trained and very knowledgeable with working with the insurance companies. Also, be sure to ask about any financial assistance programs that they may have.
Speak to your specialty pharmacy or Manufacturer: When there is a lapse in coverage there may be some provisions that your manufacturer or specialty pharmacy can make to help you until you receive coverage from your new insurance company.
Educate Yourself: Research your options. Find what programs and laws are specifically related to patients with a chronic illness. Follow any legislation that is directly related to your condition.
Get the Support You Need: Most local chapters will have specialists on hand who will be able to offer guidance and support.
**Newlife works with many clients who are facing or have faced insurance issues in the past. Please contact us at 877-707-LIFE or visit our website to speak with one of our insurance specialists.

