Page 5 - HFA Dateline 2014 Q3 Fall
P. 5
• Create a budget. Find out the monthly premium and deductible for any
plans you consider. Remember, monthly premiums do not count towards out- Thank You!
of-pocket costs. If you know you will have many medical expenses in the com-
ing year because you do regularly or you anticipate surgery or other proce- Your support makes
dure, consider paying a high premium and lower deductible to make it easier to it possible to serve our
budget. If available to you, review health savings accounts (HSA) and flexible community nationwide!
spending account (FSA) options for your family. These are two types of health
funds that let you save money to pay for certain medical expenses tax-free.*
• Invest the time to review plans in detail. Allocate time to reviewing 2014 HFA
the plans to which you have access. Read the plan options carefully but don’t be
afraid to ask questions about the plan. Contact your human resources person Funders and
for help if you have a private plan through your employer, call your insurance
provider if you have a self-insured plan, or call 800-318-2596 if you are looking Sponsors
at Marketplace plans.
• Check your healthcare providers. Verify that your regular healthcare VISIONARIES $500,000+
providers, HTC, clinics, and hospitals are in-network. Remember, your HTC CDC Collaborative Partners
may be in-network but the doctor you see there may not. Look carefully at the *Supports:
details. Call your healthcare provider to find out if they are in-network under Blood Brotherhood, Fit Factor,
any plan you consider. CHOICE Project
• Check your pharmacy or specialty pharmacy. Like healthcare pro- CHAMPIONS $300,000+
viders, pharmacies contract with insurers to provide medication and related Baxter
services. You may have a specialty pharmacy, homecare, or 340B pharmacy that Novo Nordisk, Inc.
you prefer. It is important to check if they are in-network under the plans you
consider. GUARDIANS $150,000+
• Know the rules. Find out if you need prior approval to see a specialist. Bayer HealthCare
Many health plans require that you get advance permission, called “certifica- Biogen Idec Hemophilia
tion,” in order to have tests, procedures, or surgery that a doctor recommends.
BENEFACTORS $75,000+
• Explore discounts. Health plans may offer discounts for services like CSL Behring
dental care or eyewear. These programs aren’t insurance but they can offer sav - Grifols USA
ings on services your family needs, and these discounts can add up. You might Pfizer Pharmaceuticals
be able to balance these discounts with out-of-pocket costs.
Once you make a decision, obtain a copy of your Certificate of Coverage, which BELIEVERS $25,000+
AHF, INC.
provides a detailed explanation of your plan’s health benefits in your plan. Kedrion
Review this carefully and keep it in a safe place as a reference. National Cornerstone
In summary, to choose a health plan wisely, think through your needs, build a Healthcare Services
budget, do your homework, and seek help in making your selection. You are
going to be stuck with the plan you choose for 365 days; do all you can to make FANS $10,000+
sure you get everything on your list. Accredo’s Hemophilia
Health Services
*There are many support services for people with bleeding disorders. Most of ARJ Infusion Services
pharmaceutical companies that provide therapies for bleeding disorders have Biomed Pharmaceuticals
co-pay and patient assistance programs. HFA provides a comprehensive list at: Emergent Biosolutions
www.hemophiliafed.org Hemophilia Alliance
Octapharma
Fall 2014 | Dateline Federation 5
plans you consider. Remember, monthly premiums do not count towards out- Thank You!
of-pocket costs. If you know you will have many medical expenses in the com-
ing year because you do regularly or you anticipate surgery or other proce- Your support makes
dure, consider paying a high premium and lower deductible to make it easier to it possible to serve our
budget. If available to you, review health savings accounts (HSA) and flexible community nationwide!
spending account (FSA) options for your family. These are two types of health
funds that let you save money to pay for certain medical expenses tax-free.*
• Invest the time to review plans in detail. Allocate time to reviewing 2014 HFA
the plans to which you have access. Read the plan options carefully but don’t be
afraid to ask questions about the plan. Contact your human resources person Funders and
for help if you have a private plan through your employer, call your insurance
provider if you have a self-insured plan, or call 800-318-2596 if you are looking Sponsors
at Marketplace plans.
• Check your healthcare providers. Verify that your regular healthcare VISIONARIES $500,000+
providers, HTC, clinics, and hospitals are in-network. Remember, your HTC CDC Collaborative Partners
may be in-network but the doctor you see there may not. Look carefully at the *Supports:
details. Call your healthcare provider to find out if they are in-network under Blood Brotherhood, Fit Factor,
any plan you consider. CHOICE Project
• Check your pharmacy or specialty pharmacy. Like healthcare pro- CHAMPIONS $300,000+
viders, pharmacies contract with insurers to provide medication and related Baxter
services. You may have a specialty pharmacy, homecare, or 340B pharmacy that Novo Nordisk, Inc.
you prefer. It is important to check if they are in-network under the plans you
consider. GUARDIANS $150,000+
• Know the rules. Find out if you need prior approval to see a specialist. Bayer HealthCare
Many health plans require that you get advance permission, called “certifica- Biogen Idec Hemophilia
tion,” in order to have tests, procedures, or surgery that a doctor recommends.
BENEFACTORS $75,000+
• Explore discounts. Health plans may offer discounts for services like CSL Behring
dental care or eyewear. These programs aren’t insurance but they can offer sav - Grifols USA
ings on services your family needs, and these discounts can add up. You might Pfizer Pharmaceuticals
be able to balance these discounts with out-of-pocket costs.
Once you make a decision, obtain a copy of your Certificate of Coverage, which BELIEVERS $25,000+
AHF, INC.
provides a detailed explanation of your plan’s health benefits in your plan. Kedrion
Review this carefully and keep it in a safe place as a reference. National Cornerstone
In summary, to choose a health plan wisely, think through your needs, build a Healthcare Services
budget, do your homework, and seek help in making your selection. You are
going to be stuck with the plan you choose for 365 days; do all you can to make FANS $10,000+
sure you get everything on your list. Accredo’s Hemophilia
Health Services
*There are many support services for people with bleeding disorders. Most of ARJ Infusion Services
pharmaceutical companies that provide therapies for bleeding disorders have Biomed Pharmaceuticals
co-pay and patient assistance programs. HFA provides a comprehensive list at: Emergent Biosolutions
www.hemophiliafed.org Hemophilia Alliance
Octapharma
Fall 2014 | Dateline Federation 5
