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How Health Insurance Can Help with Mystery Illnesses

Solve Your Mystery Illness with Help from Health Insurance

When something is wrong and you’re not feeling well, you expect to be able to go to the doctor and find out what the root of the problem is. Misdiagnoses or no diagnosis at all can be frustrating and disappointing. On top of this frustration you now have to deal with the medical system to try to get to the bottom of your illness.

If something like this is happening to your or someone you know here are some steps you can take and how health insurance can help.

  • Get a Second Opinion

It’s always a good idea to get a second opinion when it comes to your health, especially if your mystery illness is going undiagnosed. A second opinion may not always clear everything up and give you an exact answer but they may be able to confirm and agree with what your first doctor found. This is also where insurance comes into play helping you out. Most health insurers cover a second opinion and sometime may even require that you get a second opinion before they sign off on and approve on surgeries or medications.

When getting a second opinion,  it is important to thoroughly check your health insurance plan and make sure this second visit will be covered. In order for it to be covered you also must visit a doctor that is in your health insurance network.

If you get a second opinion and your illness still cannot be diagnosed or the second doctor’s opinion differs, your health insurance may even cover a third visit. This is not always true and sometimes they only cover about 80% of the cost so again it is something that should be further looked into depending on your health insurance plan.

  • Have Tests Examined Again as Well

A second opinion should not only be a second opinion based on the test results that your original visit came up with. If they are still unable to diagnose your illness properly, the way the tests are being read could be the problem. Have any medical exams or tests re-examined. This is also important because many times, there can be flaws in medical exams and they are not always accurate.

  • Verify Medical Necessity

Often times health insurance plans will require that you verify your medical procedure or service as medically necessary in order for them to cover to cost. Before you begin any type of medical procedure, even before the tests and evaluations, check with your health insurer to see exactly what is covered and what is not. This will help to prevent any surprise costs after the procedure is finished.

  • Use a Primary Care Physician

By using a primary care physician, you’ll have one doctor to oversee every aspect of your medical case. They’ll know all the important information in order to help diagnose you. When bouncing around from doctor to doctor some medical information can be lost in translation which can also lead to a misdiagnosis.

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