As coaches, we get a lot of questions from people trying to understand their insurance coverage. From prior authorizations to deductibles, coinsurance, and patient assistance, many moving parts need to align to maximize our healthcare benefits.
To help gain some clarity around all things insurance, Tami is joined by Doctor of Pharmacy Dr. Chelsea Liebowitz. A pain patient herself, Dr. Chelsea also works for an insurance company making determinations on prior authorizations and helping with self-funded plans.
In this conversation, Dr. Chelsea and Tami discuss her pharmacy background, understanding the open enrollment period, defining common insurance terms such as deductible and copay, the relationship between your premium and your deductible, recognizing that the best plan really depends on how you utilize healthcare, differentiating between an HMO and a PPO and why a PPO is often better for someone with chronic illness, why insurance plans vary widely from one employer or individual to another, how to find out if your medications and treatments are covered when choosing your insurance, when a secondary insurance plan can be helpful, understanding drug tiers and how copay cards work, applying to a drug manufacturer for patient assistance, why you might need prior authorization for certain medications, getting insurance on the exchange, the benefits of working with an insurance broker, the prior authorization process, how you can increase your odds of having certain medications and procedures approved by your insurance company, Dr. Chelsea’s advice for reducing your headache woes, options to consider when insurance doesn’t cover your medication, and more.
While this discussion focuses on the US healthcare system, many of the ideas and concepts apply to other countries and healthcare options. If you’re confused and overwhelmed by all the insurance options, this episode is for you.
Note: This episode is not meant to be medical advice. Every person and every situation is unique. The information you learn in this episode should be shared and discussed with your own healthcare providers.
About Dr. Chelsea Liebowitz
Dr. Chelsea Liebowitz grew up in Farmington Hills, MI, where she endured her fair share of chronic illness. Despite constantly feeling ill, she was determined to find answers and so went to the University of Michigan in search of them. Three degrees later, the answer wasn’t found in school classrooms, it was found when she learned to trust herself. Chelsea now coaches other patients with chronic jaw pain and has a vision to upgrade the health system to provide better service to those struggling with chronic pain. She is the author of “TMJ Is Ruining My Life: Managing Jaw Pain so You Can Eat Normally” and “Life with a Service Dog: Make an Informed Decision to Get a Psychiatric Service Dog”.
Links & Resources
- Fibromyalgia Podcast | Episode 92: Addiction, Dependency, and Withdrawal with Dr. Chelsea Liebowitz
- Watch the Invisible documentary on Amazon Prime
- Register for our July 22, 2023 Fibromyalgia Stories of Hope and Healing event at IFCIGraduation.com
More from Tami
- For daily doses of hope, inspiration, and practical advice, join Tami on Facebook or Instagram.
- Get free copies of Tami’s books here.
- Schedule a consultation with Tami or one of her coaches through the International Fibromyalgia Coaching Institute.
“I went to the screening you hosted in Portland [of the fibromyalgia documentary, Invisible] and was so happy to have a sense of community I haven’t had before with other fibro warriors :)”
~ Katie in Oregon