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Considerations
Coverage
Life Time Cap
Pre-approval
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GET PRE-APPROVED FOR THE SURGICAL PROCEDURE AND PHYSICAL THERAPY
  • Pre-approval or pre-authorization may take weeks to obtain, so plan ahead
  • Find out from your insurance company, what documentation is required
  • A letter of medical necessity from your physician is usually required
  • Your HTC will help you with insurance pre-approval, however, pre-approval is your responsibility


LEARN MORE ABOUT HEALTH INSURANCE COVERAGE
The National Association of Health Underwriters (NAHU)link arrow 1 provides comprehensive descriptions of public and private healthcare coverage options offered by every state and by the Federal Government. The site includes contact information for all federal and state agencies. It may help you to understand your options and to access programs that provide healthcare coverage.

Patient Services Incorporated (PSI)link arrow 2 and Advocating for Chronic Conditions, Entitlements and Social Services (A.C.C.E.S.S.)link arrow 3 are non-profit organizations dedicated to providing assistance with health insurance premiums, and pharmacy co-payment for people with expensive chronic disorders.  
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