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Dear Addy Corner

Dear Addy: In-Network

November 11, 2014

[glossary_exclude]   Dear Addy, I have heard from a friend that their hemophilia treatment center (HTC) is no longer 鈥渋n-network鈥 for their insurance plan but instead is 鈥渙ut-of-network.鈥 What does this mean and should I be worried about my insurance plan changing? 聽Signed, 聽Nervous Over Network _______________________ Dear Nervous, The term 鈥渙ut-of-network鈥 refers to those […]

Dear Addy: Privacy Protection

October 14, 2014

Dear Addy, I rarely attend bleeding disorder related events because I want to protect my privacy. When I do attend it seems like every time I turn around people try to get me to complete a survey. Why is that? How can I protect my privacy? ~Under the Radar _______________________ Dear UR, Some companies, organizations, […]

Dear Addy: Unaffected Siblings

October 7, 2014

Dear Addy, I have two sons with hemophilia and one daughter who is not affected by a bleeding disorder. My two sons get so much attention and I know that my daughter feels left out. How can I help my daughter understand that we love her just as much as her brothers? Signed, Dad of […]

Dear Addy: Choice in Health Care

September 30, 2014

Dear Addy, I am frustrated because my insurance company has mandated that its members use a single pharmacy provider. What can be done to stop this denial of choice? Signed, Pharmacy Frustrated< ________________________________________________ Dear Frustrated, Health insurance providers are making this change as a cost savings measure. In order to keep their costs down, and […]

Dear Addy: Open Enrollment Period

September 27, 2014

  Note: This article was updated on 11/10/2015 to reflect Open Enrollment dates for plans beginning in 2016.聽   Dear Addy, I am not happy with my current health insurance. My work told me that I can鈥檛 change my plan until the聽鈥淥pen Enrollment Period鈥 starts. What is an open enrollment period and why do I […]

Dear Addy: Max Out-of-Pocket

September 1, 2014

Note: This article was updated on 11/10/2015 to reflect 2016 out of pocket maximum limits.   Dear Addy, I鈥檓 a confused individual with private health insurance. I read that under the Affordable Care Act (ACA) the maximum annual out-of-pocket cost for health care is $6,850.00 for an individual. My insurance company is moving my factor […]

Dear Addy: Back To School

August 18, 2014

Dear Addy, We moved to a new state for my job. What is the best way to explain my son鈥檚 hemophilia to the school? I am worried about how to handle teaching the school about his hemophilia. I want them to know how they can support and help him to prevent bleeds and I want […]

Dear Addy: Self-Insured Plans

August 4, 2014

Dear Addy, I heard something about individual health insurance plans. What can these plans do? Are there lifetime caps? Are out-of-pocket maximums higher or lower? I am just wondering if I should add this kind of plan to my list as a potential option. Signed, Shopping for the Best Deal ________________________ Dear Best Deal, After […]

Dear Addy: Maximum Out-of-Pocket Expenses

July 21, 2014

Dear Addy, Are there any guarantees that maximum-out-of-pocket expenses won鈥檛 continue to rise under the ACA? What, if anything, restricts such a rise? Signed, Not-So-Deep-Pockets __________________________ Dear Pockets, Maximum-out-of-pocket expenses are likely to continue to rise year-after-year. In fact, under the ACA, if the average cost of insurance premiums rises on a per person basis […]

Dear Addy: Veteran鈥檚 Health Care

July 7, 2014

Dear Addy, Will the ACA [Affordable Care Act] affect military insurance for active duty and retirees? Signed, A Curious Veteran ___________________________ Dear Veteran, The ACA will not affect active duty military or veterans who are enrolled in either TRICARE or the Veteran鈥檚 health care program. If you are not enrolled in TRICARE or the Veteran鈥檚 […]

Dear Addy: Educating the Emergency Room

June 23, 2014

Dear Addy, We went out of town for vacation and I had to take my son to the ER for a bleed due. Unfortunately, none of the doctors were familiar with hemophilia. I knew more than they did. Instead of comforting my son, I spent my time educating doctors. Is there something I can do […]

Dear Addy: Finding The Right Hematologist

June 9, 2014

Dear Addy, What skills and experience should I look for in a hematologist? My son was recently diagnosed with hemophilia and I鈥檓 willing to move to another city, so my son can get the best care possible. Signed, Diligent Patient _____________________ Dear Diligent, Most importantly you want to make sure that all of the hematologists […]

Dear Addy: Small Business Health Options Program (SHOP)

May 26, 2014

Dear Addy, I am a small business owner with fewer than 25 employees and I have a child with hemophilia. The private insurance I provide my employees has gotten very expensive. I don鈥檛 know if I can afford it any more. Can you let me know what options I have? I don鈥檛 want to stop […]

Dear Addy: Informed Consent

April 28, 2014

Dear Addy, The last time I took my son to his HTC I was asked to participate in a survey. I didn鈥檛 have time to read the consent form because my son wasn鈥檛 feeling well that day, so I asked if I could complete the survey at the next visit. The nurse told me I […]

Dear Addy: Lifetime Caps vs. Annual Caps

April 20, 2014

                Dear Addy, I know 鈥淥bamacare鈥 eliminated lifetime caps on January 1, 2014, but are there still annual caps on healthcare costs? Capped-Out __________________________________ Dear Capped-Out, Happily the answer is no, as of January 1, 2014. Actually, it was on September 23, 2010, that the Affordable Care Act […]

Dear Addy: Employee Disclosure

March 3, 2014

  Dear Addy, Should I tell my work I have hemophilia? I am worried the company might hold my hemophilia against me. I do not want the people at my work to think I can鈥檛 do my job or that I will be using too many sick days. Chronically Fearful ____________________________ Dear Fearful, Your concerns […]

Dear Addy: Major Medical vs. Pharmacy Coverage

February 10, 2014

Dear Addy, A friend of mine in Texas told me her son鈥檚 factor was moved from major medical coverage to under pharmaceutical coverage. Their co-pay for factor went from $75 to $3,000 per prescription. They can鈥檛 afford this. Do I need to worry about this happening to my family? Scared of Pharmacy ____________________________ Dear SP, […]

Dear Addy: Individual Mandate

January 27, 2014

Dear Addy, My daughter with von Willebrand disease has health insurance but I don鈥檛 have health insurance for myself. What will happen if I decide not to purchase any? Coverage Unsure ____________________________ Dear Unsure, The deadline to purchase insurance without facing a penalty is March 31, 2014. Because of the individual mandate under the Affordable […]

Dear Addy: Washington Days

January 13, 2014

                Dear Addy, I am going to NHF鈥檚 Washington Days and I have an opportunity to speak with my Congress person about hemophilia issues. I am worried I don鈥檛 know enough and that my Congress person will not take me seriously. How do I prepare for this meeting? […]

Dear Addy: Marketplace Deadlines

December 23, 2013

Dear Readers, Thank you for all the questions you have asked since the launch of Dear Addy in July of this year. Please keep them coming! HFA wants you to be able to make informed decisions about your health and the health of your family. To close out the year, I want to follow-up on […]

Dear Addy: Pre-Existing Condition Insurance Plan

December 9, 2013

Dear Addy, I have a young child with substantial medical costs. For the past couple of years I have spent 20-40% of my income on medical bills. Unfortunately my income is “too high” for Medicaid. I live in Texas and I currently have PCIP (pre-existing condition insurance plan) insurance which ends this month. What do […]

Dear Addy: Open Enrollment

November 26, 2013

Dear Addy, It is open health insurance enrollment time for my company. Do I still have to worry about qualifying for coverage because I have a pre-existing condition? Open Enrollment Jitters in Minnesota ___________________________ Dear Jitters, The cold in Minnesota should make you shake more than the issue of pre-existing conditions in 2014. Starting in […]

Dear Addy: Co-Pay

October 29, 2013

Dear Addy, I thought I had a good health insurance. I made sure the deductible was affordable and the monthly premium was within my budget. Unfortunately the co-pay for my medication is causing financial hardship. One dose of my medication arrives in four separate boxes and I have to pay separate $20 co-pays for EACH […]

Dear Addy: Private Exchange

September 30, 2013

  Dear Addy, I have health insurance through my employer. Next year my employer is giving me a lump sum each month to pay for health insurance on a 鈥減rivate exchange.鈥 What does that mean? Signed, Month-to-Month _________________________ Dear Month, Private exchanges are online marketplaces that allow employers to offer their employees a range of […]

Dear Addy: Marketplace Enrollment

September 23, 2013

Dear Addy, I am self-employed and need health insurance. When can I enroll in the Marketplace plans and when will this coverage start? ~Self-Employed 聽_____________________ Dear Self-Employed, You can apply for health insurance on the Health Insurance Marketplace when open enrollment starts on October 1, 2013. Coverage under Marketplace plans starts as soon as January […]

Dear Addy: Individual Mandate

September 16, 2013

Dear Addy, I just turned 27 and have lots of debt. Instead of purchasing health insurance, I would rather use the money I make to pay down what I owe. I have mild hemophilia and I have not had a bleed in a year. Do I still need to have health insurance under the new […]

Dear Addy: Essential Health Benefits

September 3, 2013

Dear Addy, I am worried that my employer will stop offering health insurance to save money and send me to the Marketplace to get coverage. Is this true and, if so, should I be worried about finding good coverage? Signed, Worried & Seeking Truth ________________________ Dear Worried, The answer to your first question is maybe, […]

Dear Addy: Employer-Sponsored Insurance

August 19, 2013

Dear Addy, I am confused about whether the Health Care Marketplace is right for me and my family. We have insurance through my work but it is not clear if I have to use the Marketplace to get coverage starting next year. Who is supposed to use the Marketplace? Signed, Confused-by-Options ___________________________ Dear Confused, The […]

Dear Addy: Deductible

August 5, 2013

Dear Addy, My health insurance premiums were $500/month, so I switched insurance plans during my company鈥檚 open enrollment period last year. Now I only pay $140/month. I have been very excited to have some extra cash each month but this has come at a big price. I need surgery on my injured leg, but can鈥檛 […]

Dear Addy: Marketplace

July 22, 2013

Dear Addy, I work for a small business. Health insurance through my company for my family costs $1,000 a month. At the end of the year the monthly premium will jump to $1,300 a month and we can鈥檛 afford to pay that much. On top of this, for emergency care and hospitalizations we have to […]


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