Navigating health insurance can be quite daunting, especially if you’ve never dealt with a health issue before. Evaluating plans, figuring out what’s covered, getting authorizations and pre-approvals for surgery, imaging or 2nd opinions — all of this on top of a DCIS diagnosis can put one into overwhelm. Anti-anxiety meds like Xanax are often covered, but acupuncture, biofeedback and yoga classes most likely won’t be. A mammogram every six months will be recommended and covered, but annual MRI monitoring is usually only covered if you are considered high risk (at least a 25 percent lifetime recurrence risk). Thermograms are generally not covered but it doesn’t hurt to try. Naturopathic healthcare, nutrition counseling, supplements and other natural prevention methods and practitioners are generally not covered by most insurance companies. However lab work, bio-identical hormone prescriptions and integrative MDs may be covered.
And then there are those that do NOT even have health insurance when diagnosed! How do they afford the enormous cost of treatments?
Please share your experiences with health insurance below so that we may learn from one another how to best navigate the system.