How to Manage Medical Expenses that Aren’t Covered by Health Insurance
Raising kids is expensive. And there’s really no way around that. It’s worth every penny, of course. But it’s still expensive. And when you have a child that has medical needs? Then it can get really expensive- even with health insurance in place. So do you manage medical expenses that aren’t covered by health insurance? Well, we’re happy to partner with UnitedHealthcare Children’s Foundation to bring you this conversation.
When your child has medical needs, your expenses will more than likely go up. But these are necessary expenses.
When it comes to caring for children with special needs, there are different approaches you will need to take. As a parent or caregiver, you may need to treat the special needs child different from an ordinary child, depending on what their needs are.
It can be difficult for many parents, especially when they first find out or when they feel like they are going through this alone.
Caring for children with special needs mean facing many obstacles and challenges that can be difficult at times. These children need extra attention that can take up much of your time. There are numerous hours required for medical appointments and hospitals visits and some children even require regular therapy sessions.
What resources exist for children with special needs? When your child was diagnosed with a disability or other issue, you were probably told then that there are many resources available for special needs. But you may be surprised to find out how many different options really exist for you out there. Search for resources for special needs with:
• Doctors
• Therapists
• School
• Online resources
• Online support groups
• Local support groups
• Books
• Videos/ DVDs
• Other parents and caregivers
These are just a few of many places you may be able to find more info about your child’s special need and what is available to help you.
When you are caring for a child with special needs don’t hesitate to use any of the resources designed for children with special needs. It’s a difficult task and no one expects you to go it alone. You should never feel like you have to deal with it all on your own, especially when there are so many people out there who know what you’re going through and so many resources to make it easier.
Seeking Help with Special Needs
As a parent, the more you learn about special needs and what options are available to you, the better prepared you will be to give your child the help they need and deserve. Don’t hesitate to seek help with the special needs of the one in your care. There are people out there more qualified and more experienced than you in this type of problem and they can help show you the ropes and gives you hints, tips and ideas for how to better care for your child.
Where to Find Additional Assistance
If you are having difficulty paying things, then consider applying for a grant from UnitedHealthcare Children’s Foundation.
What are the grants?
UHCCF grants provide financial help/assistance for families with children that have medical needs not covered or not fully covered by their commercial health insurance plan. The Foundation aims to fill the gap between what medical services/items a child needs and what their commercial health benefit plan will pay for.
How does the grant work?
If a grant is approved by the Regional Board of Directors for a child, the grant will help pay for approved medical services/items after the family’s commercial health insurance plan submits payment, if any. Grant funds are not paid to the family or the child outright. Grant families must work with the Foundation on submitting invoices/bills for approved medical services/items after their commercial health insurance plan submits initial payment (if any) to the health care provider.
A. UHCCF aims to award 20,000 grants by the year 2020. They have already awarded over 13,000.
B. 88.9% of qualified, completed medical grant applications are approved.
C. Not only is UHCCF looking for grant applications, but they are also always welcoming donations from others, as the medical grants are mainly funded by others’ donations.
Read more about the grant and the application process on the UnitedHealthcare Children’s Foundation website.
If you do not have a child with special needs, don’t worry! The UHCCF grant is for all children. It covers medical expenses for surgeries, ongoing medications, physical therapy, hospital visits, etc.
Does your child have exceeding medical needs that aren’t covered by insurance? How would this grant help you?
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Kori
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