Financial Planning

Bleeding disorders can be very expensive to manage. The total cost of treatment varies from person to person depending on the type of disorder, where the individual gets treatment, how often treatment is needed, and what complications may arise.

Most people with bleeding disorders rely on "third party payers" to help meet these expenses. These third-party payers may be insurance companies or government programs, such as Medicaid or Medicare. Applying for help from third party payers, however, can be complex. The process often involves a lot of paperwork, red tape, and delays. Services and benefits vary depending on several factors, including location, income, and health status, making it hard to know where to go.

The purpose of Financial Planning is to suggest how you might begin to find help paying for medical care. This chapter includes tips on finding life and health insurance. It also lists some U.S. state and federal programs which provide help with medical and living costs.

Both the state and the federal governments adjust healthcare funding often. Laws and assistance programs change. The social worker at the HTC can help you and your family keep up with the changes. The social worker can help explore appropriate options. This member of the comprehensive care team may refer you to financial counseling, suggest programs to which you can apply, and help navigate the process. Through your HTC, you may also hear about insurance companies or agencies which have served other people well.