What are some ways I can seek alternative insurance before reaching my cap?
Following are some ideas for alternative insurance: • Change insurance during your open enrollment period. Many times lifetime caps start over with new insurance. • Ask your homecare company and insurer about converting factor reimbursement from the medical benefit to the pharmacy benefit. Drugs dispensed and reimbursed through the pharmacy benefit do not impact lifetime caps. • Work with your HTC or homecare company to explore the possibility of extending the lifetime cap via an exception for patients with chronic disorders. Either the insurance company or employer makes this determination. • Work with your homecare company to reduce the cost of factor to your insurance company.
