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My patient is about to become too old to be covered by his parents’ health insurance. How long can he be covered under COBRA?
He can be covered under COBRA up to 36 months or until he qualifies for insurance on his own, whichever comes first. For more questions about COBRA, go to http://www.dol.gov/dol/topic/health-plans/cobra.htm.
Many of my patients are under 65 and disabled. Can they qualify for a Medigap plan to assist with coverage?
Medigap plans, also known as supplemental plans, for individuals under age 65 are governed by state laws. Currently, about one half of the states require Medigap plans be made available for the disabled under age 65. To see if your state is one of them, go to http://www.medicare.gov/medigap/under65.asp. Alternatively, disabled patients under 65 may want to explore Advantage plans, also known as Medicare Part C. You can learn more about these plans at http://www.medicare.gov/choices/advantage.asp.
Do insurance companies restrict brands of immune globulin and coagulation factor products?
Coagulation factor and immune globulin (IG) products are medically necessary, but expensive, treatments. Most insurance companies require preauthorization for factor and IG. However, coagulation factor and IG products do not come in a generic form. Therefore, in general, insurance companies do not specify certain brands via a formulary. NuFACTOR believes patients and providers should have a choice of products. That is why we carry all brands of IG and coagulation factor products.