It’s that time of year when everyone is looking at changing insurance policies whether their employer is
making a switch or whether you must make a switch with a different policy within the health insurance marketplace.
Those who have ongoing prostate issues should be sure their new insurance covers everything important in keeping them healthy.
Basic exams
Most states passed laws over the last 30 years mandating insurance to cover tests used to detect prostate cancer like the digital rectal exam and the PSA test. Make sure the insurance policy is in compliance with state laws regarding testing.
You will also need to check to see if your age group is covered. Most insurance starts covering basic exams and tests for prostate issues at 50 years old.
Some younger men that are at high risk may need to talk to their insurance provider about additional coverage.
Standard treatments
All insurance policies should cover standard treatments for prostate cancer. This can include surgery,
radiation, and chemotherapy.
However, many new treatments show exciting promise. Insurance companies often don’t cover those
because many are still in clinical trials.
What about HIFU treatment?
HIFU treatments for prostate cancer patients is an exciting prospect but it isn’t yet covered by any major
insurance company.
The treatments, which focus on sound waves targeting diseased tissue, will one day likely be covered but it takes at least five years from the moment the FDA approves it for insurance companies routinely cover it.
Conclusion
Most men won’t have any problems getting insurance to cover basic prostate health items or even treatment for prostate cancer.
However, some that are unique situations such as a younger man at risk or patient who wants outside-the-box treatments could face an uphill battle to get coverage.
It’s best to be certain of what coverage you have and present your case to the insurance company or have an alternative ready before you really need it.
