Even with the best insurance, living with ET, PV, or MF is expensive and takes a bite out of your budget. Here are resources that may offer some relief. If you know of others, please let us know.
1st Things First:
- Keep all your medical and prescription medication receipts in one place. You will refer to them later.
- Keep all your medical billing statements in one place (near the receipts).
- Keep track of what procedure/test was done at each appointment (mark in your calendar)
- Remember that Billing and Coding errors occur frequently (usually not in the patient’s favor). If you practice #1 – 3, you can catch the errors and get the corrections made.
Financial & Insurance
Patient Advocate Foundation (PAF) is a national 501 (c)(3) non-profit organization which provides professional case management services to Americans with chronic, life threatening and debilitating illnesses. PAF case managers serve as active liaisons between the patient and their insurer, employer and/or creditors to resolve insurance, job retention and/or debt crisis matters as they relate to their diagnosis also assisted by doctors and healthcare attorneys. Patient Advocate Foundation seeks to safeguard patients through effective mediation assuring access to care, maintenance of employment and preservation of their financial stability.
Leukemia & Lymphoma Society (LLS): http://www.lls.org/#/diseaseinformation/getinformationsupport/financialmatters/
MPN Advocacy: http://mpnadvocacy.com
Give Forward: http://www.giveforward.com/ (help in creating a fundraiser, no information on costs).
You Caring: http://www.youcaring.com
BMTInfoNetwork: offers fundraising ideas http://www.bmtinfonet.org/resources#Fundraising
Loans: www.lifecreditcompany.com (consumer lender with a cancer living benefit program)
US Federal Benefits
For US citizens: This official government website helps citizens navigate federal and state resources for which they may be eligible. Complete the on-line questionnaire and programs matching your situation will be identified.
The largest independent source of health care information and assistance in the United States for people with Medicare. Services include enrollment projects, telephone hotline services, education department, public policy efforts, and media communications.
If a person is likely to be unable to work for 12 months while undergoing treatment, applying for Social Security Disability may be an option.
Help with co-pays and meds
Some co-pay assistance programs are disease-based. That means that medications are covered for individuals diagnosed with specific diseases. Others are medication based. That means that the assistance is available to a patient who has a prescription for the medication it covers. They are funded differently, and the diseases and medications they cover may change as funding and contracts change.
PAN Foundation has co-pay assistance program for Myeloproliferative Neoplasms and many other diseases.
Good Days is a co-pay assistance organization and Myeloproliferative Neoplasms are covered.
HealthWell Foundation: http://www.healthwellfoundation.org/
The HealthWell Foundation provides financial assistance to eligible individuals to cover coinsurance, copayments, health care premiums and deductibles for certain medications and therapies. If you’ve been prescribed a medication and your insurance company covers it, but you still cannot afford the coinsurance or copayment required, they may be able to assist you by paying for part of your costs associated with the medication. Also, if you are eligible for health insurance, but cannot afford the insurance premium, they may be able to assist with your insurance premium.
NeedyMeds, a 501(c)(3) non-profit information resource devoted to helping people in need of assistance of affording their medications and costs to health care. In addition to co-pay assistance (MPN are covered diseases), NeedyMeds has discount programs for several diagnostic procedures, advocacy services, and a crowd-source fundraising platform for patients.
Partnership for Prescription Assistance: https://www.pparx.org/
Patient Advocate Foundation Co-Pay Relief Program: http://www.copays.org/
CancerCare Co-Payment Assistance Foundation: http://cancercarecopay.org/
Non-profit organization that provides co-pay assistance for a wide range of prescription medications. Search by medication to see what they cover.
PSI is a national non-profit organization that supports people with expensive chronic illnesses and conditions through locating solutions with health insurance and assisting with premiums and prescription copayments. MPNs are not presently among the diseases they assist with, but other blood diseases are.
Help Around the House
Cleaning for a Reason: http://www.cleaningforareason.org/
Angel Flight: http://www.angelflight.com/
Housing info for treatment at MD Anderson: