About-cancer/treatment/clinical-trials/paying/work-with-insurance/zh

如何使用您的健康保险计划

有一些方法可以了解您的健康计划是否涵盖了临床试验中的常规患者护理费用。 如果您决定参加审判，这里有关于与谁寻求帮助的联系，要问的问题以及要收集和保留的信息的想法。

与您的医生紧密合作. 询问您的医生，他或她的员工中是否有人可以帮助您制定健康计划。 此人可能是财务顾问或研究协调员。 或者，此人可能在医院的患者财务部门工作。

与研究协调员或研究护士紧密合作. 询问研究协调员或护士是否其他患者在获取健康计划以支付常规患者护理费用方面遇到问题。 如果是这样，您可以向研究协调员或护士寻求帮助，以向您的健康计划发送信息，以解释为何此临床试验适合您。 该软件包可能包括：

• 医学期刊文章显示正在接受测试的治疗可能会给患者带来益处

• 您的医生的来信，解释了该试验或为什么该试验在医学上是必要的

• 患者倡导团体的支持信

有用的提示:确保保留自己发送给健康计划的任何材料的副本。

与您的健康计划谈谈. 如果您的医生没有专人协助您制定健康计划，请拨打保险卡背面的客户服务电话。 要求与福利计划部门通话。 这里是要问的重要问题：

• 健康计划是否涵盖参加临床试验的患者的常规患者护理费用？

• 如果是这样，是否需要预授权？ 预先授权意味着健康计划将在决定支付患者护理费用之前，审查有关临床试验的信息。

• If your health plan requires a pre-authorization, what information do you need to provide? Examples might include copies of your medical records, a letter from your doctor, and a copy of the consent form for the trial.

• If a pre-authorization is not required, you don't have to do anything else. But it is a good idea to request a letter from your health plan that states that a pre-authorization is not needed for you to take part in the clinical trial.

Helpful Hint: Every time you call your health plan, make a note of who you are speaking with, the date, and the time.

• Understand all the costs related to the trial. Ask your doctor or the trial's contact person about the costs that must be covered by you or your health plan.

• Work closely with your employer's benefits manager. This person may be able to help you work with your health plan.

• Give your health plan a deadline. Ask your doctor or the trial’s contact person for a target date when you should start treatment. This can help to ensure that coverage decisions are made promptly.

What you can do if your claim is denied after you begin taking part in a trial

If your claim is denied, contact the billing office for help. The billing manager may know how to appeal your health plan’s decision.

You can also read your health insurance policy to find out what steps you can follow to make an appeal. Ask your doctor to help you. It might help if he or she contacts the medical director of your health plan.