From the National Hemophilia Foundation

With another year coming to a close, it’s time again for insurance plans to begin open enrollment, make plan changes and amendments. And not unlike every year past, even the most seasoned veterans are left confused and frustrated by changes and new requirements. It’s natural to stress over navigating through the unknown; but you are not alone.

There are many resources available to help you identify steps you can take to minimize the impact these changes can have on your treatment plan.

While ignoring correspondence from your insurance plan may seem to be the least stressful approach, the implications can be costly to your health and wallet in the New Year.

  • OPEN all communications from your insurance plan.

  • READ the entire notice, even if you think it does not apply specifically to you.

  • RESPOND if action is requested.

  • ACT most insurance plans changes include one or more of the following and should be identified and acted upon quickly.

o Changes to your premium rate
o Changes to your out of pocket costs
o Changes to formulary or preferred drug lists
o Changes to provider networks

Each of these changes can have a direct impact on the amount of money you pay out of pocket, and can affect where you receive your treatment/care.


FIRST and FOREMOST, time is of the essence, so it’s imperative to act quickly.
This link will bring you to samples of common language used in insurance change announcements, a summary of their meaning and what steps can be taken, if appropriate, to get an exception.