Disability & Health Insurance

Understanding health insurance, prescription drug insurance,
disability and other benefit programs

Living with IH or a related sleep disorder is likely to involve major decisions with significant financial implications, such as choosing disability, health, and prescription drug insurance plans, deciding how to pay potentially steep out-of-pocket costs for treatment, or claiming disability at work. This page provides information on disability, health insurance and cost savings programs available primarily in the U.S. As many of these programs and benefits are not widely known, we highly recommend familiarizing yourself with these pages, even if you aren’t currently experiencing a problem with disability or insurance. You may find a better way to access treatment, pay less for medications, or take steps today that may help enable you to make successful insurance and disability claims in the future.

Disability

Disability Insurance Planning:

Types of Insurance and How to Protect Yourself

No matter where you are in life, it is extremely important to plan ahead regarding insurance policies that will protect you from loss of income in the event that your ability to work is significantly reduced by your disabling condition. This section provides an overview of short-term, long-term and Social Security disability.

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Disability Insurance Claims:

Navigating the Claims Process Successfully

If you are trying to decide whether it’s time to file for disability, you need to know what to expect as you go through the claims process. It is critical to develop sufficient evidence to support your claims before you leave the workplace or reduce your work hours. This section will walk you through the steps of gathering the documentation you will need and the process of filing claims for short-term, long-term and Social Security disability.

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Health Insurance

Health and Prescription Medication Insurance:

Finding Coverage and Working With Your Carrier

The health and prescription medicine insurance market in the United States is complex. Finding the best policy for your situation can be a challenge. This section provides an overview of the sources of health and prescription medication coverage, ways to determine if your medication is on a plan’s formulary, information on managing prior authorizations and more.

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Saving Money on Prescription Medications:

Coupons, Discounts and Manufacturer Programs

If you are currently not taking a medication because of high out-of-pocket costs, click here to find information about shopping strategies and various programs that may allow you to access your medication at an affordable price. Even if you are currently taking your medications, you may find a way to reduce your out-of-pocket costs.

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Health and Prescription Medication Insurance Denials and Appeals:

Information, Resources and Strategies for Appeals

If you’ve been denied insurance coverage for a medication or other medical claim, you are not alone. Look here for an overview of the appeals process and information on how to strengthen your appeal arguments. We’ve even collected example letters that others have used to win appeals for hypersomnia medications.

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Specific Populations