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Health Insurance

Health Insurance for Lupus Warriors | Q&A Forum

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Finding the perfect health insurance plan when living with lupus can be difficult. It requires research, analysis of personal health needs, & an understanding of risk tolerances.

For this month’s Q&A Forum, Lupus Warriors share their personal experiences choosing health insurance. Finding the right insurance to encompass your lupus needs can be extremely difficult. See what fellow Lupus Warriors are saying! And familiarize yourself with the options
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Lisa J

I was able to find health insurance that covered my lupus.

4/5 (agree)

What services were difficult to get coverage for?

Specific targeted medications/infusions

What made you choose your specific insurance?

It’s provided from the VA, I didn’t have a choice. 

lupuscorner-person-21

Tori

I was able to find health insurance that covered my lupus.

1/5 (strongly disagree)

What services were difficult to get coverage for?

Medication, lab testing, imaging

What made you choose your specific insurance?

Price, coverage and ability to keep my doctors

Insurance…blessing or curse?

I was able to find health insurance that covered my lupus.

3/5 (neutral)

What services were difficult to get coverage for?

IVIG infusion

Prolia injections

“Out of network” doctors

What made you choose your specific insurance?

My employers selections, affordability (the cheapest option and it’s still very costly compared to my income), cost assistance from pharmaceuticals.

person 5

WBW

I was able to find health insurance that covered my lupus.

2/5 (disagree)

What services were difficult to get coverage for?

Igg treatments

What made you choose your specific insurance?

Employer

lupus tip-person-13

Wendy R.

I was able to find health insurance that covered my lupus.

3/5 (neutral)

What services were difficult to get coverage for?

I have a lot of serious dental issues that require oral surgery due to significant bone loss from long term use of high dose Prednisone. The insurance does not consider that a medical issue. I also have to get approval for tests and services that used to be based solely on doctor orders.

What made you choose your specific insurance?

Physician network, low co-payments, prescription coverage.

lupuscorner-person-30

Last of the lucky ones

I was able to find health insurance that covered my lupus.

4/5 (agree)

What services were difficult to get coverage for?

Luckily, through my husband’s employer I had good comprehensive medical coverage. Now that I’m on Medicare, I see that nothing that’s new, experimental, or unusual in any way is paid for.

What made you choose your specific insurance?

There was no question of using anything but my husband’s employer’s choice because that was partially subsidized.

lupuscorner-person23

Janell

I was able to find health insurance that covered my lupus.

3/5 (neutral)

What services were difficult to get coverage for?

Insurance questioned why SO many tests, SO frequently, ALL the medications, the cost of medication.

What made you choose your specific insurance?

At the time it was work insurance/now it is social security/Medicare. So it covers more.

Lisa M.

I was able to find health insurance that covered my lupus.

5/5 (strongly agree)

What services were difficult to get coverage for?

Preventive services of a naturopathic Doctor.

What made you choose your specific insurance?

It was part of my employment package with LAUSD.

person 5

Sandra_5

I was able to find health insurance that covered my lupus.

5/5 (strongly agree)

What services were difficult to get coverage for?

Life insurance while having LUPUS. They have made Lupus an official disqualifier. 

What made you choose your specific insurance?

My job Status. Workplace insurance Company.

 

Drug companies don’t like me being on Medicare

 

I was able to find health insurance that covered my lupus.

5/5 (strongly agree)

What services were difficult to get coverage for?

New drugs, and treatments (such as Benlysta and Aimovig).

What made you choose your specific insurance?

I’m on Medicare (disabled).

lupus tip-person-1

Shakirah J.

I was able to find health insurance that covered my lupus.

5/5 (strongly agree)

What services were difficult to get coverage for?

Needed X-rays were questioned at times.

What made you choose your specific insurance?

I am covered under my husband.

 

 

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