There are some options for patients who have been diagnosed with brain tumors.  One of those options would be to participate in clinical trials.  It’s helpful to the rest of mankind when you do participate in clinical trials, but who pays?  The answer is not a simple one.  If you are thinking of participating in clinical trials you had better check with your Medical Insurance provider first.  Most companies or institutions sponsoring clinical trials will only cover the cost of the drug, procedure, or product that is being tested.  The routine costs of care (office visits, lab tests, screening scans, etc.) will not be covered by your Medical Insurance provider.

Another issue that could come up when treating brain tumors is time off from your job for MRI appointments or other follow-up care.  Obviously, your Medical Insurance provider would not be involved in any employer related issues.  The Federal Government does give you some protections through the Family and Medical Leave Act (FMLA).  That act provides 12 weeks within a 12 month period of job protected Medical Insurance time off to employees who are unable to work due to a serious medical condition or who need to take time off to care for their spouse, child, or parent.    The FMLA refers to group Medical Insurance coverage only.  You must work for an employer who employees at least 50 employees, been employed for at least 12 months, and worked at least 1250 hours within those 12 months.

The cost of treating a brain tumor can be very high, even with Medical Insurance.  Especially if you have a high deductible Medical Insurance plan.  You must first pay the required deductible of the Medical Insurance plan you have in place.  Then the Medical Insurance carrier will start to pay their share.  Hopefully, you have a Medical Insurance that has a stop loss for your co-insurance.  Assuming that is true lets run through a typical scenario.  Your deductible is $5000.  Then you have a 80/20 co-insurance with your Medical Insurance.  You will pay the $5000 and then the Medical Insurance carrier will start to pay its 80% and you will pay your 20%.  If your Medical Insurance policy has a stop loss of $5000 that means your total out of pocket will be $10,000.00.  Per year.  Medical debt in the United States is a serious problem.  Over 70% of bankruptcies in America are from people who actually had Medical Insurance.  When considering different Health Insurance Quotes and looking at different Medical Insurance policies, be sure to consider what your total out of pocket expenses would be should you or a family member become seriously ill.

Medical Insurance

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