Santa Fe New Mexican

Living Logistics

Consider making an appointment to talk with your medical team’s billing office before you start treatment to get your financial questions answered. Questions to ask: • Will my insurance cover my treatment and/or surgeries? • Does my health insurance company need to approve the treatment plan before I begin treatment? • How much will my out-of-pocket cost be? • What if I can’t afford the out-of-pocket cost? • Are my medications on my health insurance plan’s preferred drug list? • What is my prescription co-pay for each medication? • Will I be billed separately for laboratory tests, such as blood tests? Are they covered under my health insurance? • Do you offer any payment plans or know of other financial resources? • Can someone help me apply for medicine directly from manufacturers if I can’t afford medicine? Get organized: To reduce your stress, have someone help organize your financial information and make sure a family member or trusted friend has access to this information if needed. List financial assistance you receive along with contact information. Make a list of your monthly bills and note: • How each bill is paid (online or by mail) and the credit card number and/or debit card and PIN number used for payment • Each bill’s due date • Contact information of the billing person of each bill • The last four digits of your Social Security number and your birthdate, as these are often required when you contact billing departments