Insurance issues can be complicated and frustrating. The following is a list of helpful suggestions to assist you in working with your insurance company or dealing with Medicare benefits.

1. Determine what type of coverage you have. If you have supplemental insurance with Medicare, and Medicare will not cover your equipment, private supplemental insurance will most likely not cover it either. However, in some instances if you are denied specific equipment coverage, don't give up! Appeal the decision with a detailed letter from your physician as to the immediate necessity of the equipment. In other words, try, try again. In some cases, when you have had private insurance prior to switching to Medicare, the private insurance will stay as your primary insurance.

Upon being diagnosed with ALS, your primary insurance company must continue to provide services if your payments are up to date and have been made on time.

2. Ask that a case manager be assigned to your case within your insurance company. Having a case manager provides you with continuity in talking with the same person who manages your case.

3. Do not purchase any equipment without calling your case manager. Request a letter stating that your insurance company will cover the equipment. Get the name of the person you speak to if your case manager is not available. It is also important to request a reference number.

4. When a piece of equipment is recommended, get a second opinion from an occupational therapist, physical therapist or speech therapist depending on the type of equipment needed. If you are working with a Service Coordinator from the Chapter, the Coordinator may have an equipment review or put you in touch with a professional who can provide that second opinion.