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

如何使用您的健康保險計劃

有一些方法可以了解您的健康計劃是否涵蓋了臨床試驗中的常規患者護理費用。 如果您決定參加審判，這裡有關於與誰尋求幫助的聯繫，要問的問題以及要收集和保留的信息的想法。

與您的醫生緊密合作. 詢問您的醫生，他或她的員工中是否有人可以幫助您制定健康計劃。 此人可能是財務顧問或研究協調員。 或者，此人可能在醫院的患者財務部門工作。

與研究協調員或研究護士緊密合作. 詢問研究協調員或護士是否其他患者在獲取健康計劃以支付常規患者護理費用方面遇到問題。 如果是這樣，您可以向研究協調員或護士尋求幫助，以向您的健康計劃發送信息，以解釋為何此臨床試驗適合您。 該軟件包可能包括：

• 醫學期刊文章顯示正在接受測試的治療可能會給患者帶來益處

• 您的醫生的來信，解釋了該試驗或為什麼該試驗在醫學上是必要的

• 患者倡導團體的支持信

有用的提示:確保保留自己發送給健康計劃的任何材料的副本。

與您的健康計劃談談. 如果您的醫生沒有專人協助您制定健康計劃，請撥打保險卡背面的客戶服務電話。 要求與福利計劃部門通話。 這裡是要問的重要問題：

• 健康計劃是否涵蓋參加臨床試驗的患者的常規患者護理費用？

• 如果是這樣，是否需要預授權？ 預先授權意味着健康計劃將在決定支付患者護理費用之前，審查有關臨床試驗的信息。

• 如果您的健康計劃需要預先授權，則需要提供哪些信息？ 例如，可能包括您的病歷副本，醫生的來信以及該試驗的同意書副本。

• 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.