Scleroderma is a rare autoimmune disease that affects the skin and internal organs. The disease causes the body to overproduce collagen, which results in the hardening and tightening of skin and connective tissues.

While there is no cure for scleroderma, private health insurance can help individuals manage the symptoms and complications associated with the disease. In this article, we will discuss how private health insurance can help those living with scleroderma and things to consider when choosing a health plan.

Types of Private Health Insurance Plans

When it comes to private health insurance, there are several types of plans available. The most common types of plans include:.

Preferred Provider Organization (PPO)

A PPO plan is a type of health insurance plan that allows policyholders to see any healthcare provider they choose, without needing a referral.

While PPO plans offer more flexibility, they also tend to have higher out-of-pocket costs compared to other plans.

Health Maintenance Organization (HMO)

An HMO plan is a type of health insurance plan that requires policyholders to choose a primary care physician (PCP) who will provide referrals to specialists.

While HMO plans offer lower out-of-pocket costs compared to other plans, policyholders have less flexibility in choosing their healthcare providers.

Exclusive Provider Organization (EPO)

An EPO plan is a type of health insurance plan that requires policyholders to choose healthcare providers within a particular network.

While EPO plans offer lower out-of-pocket costs compared to PPO plans, policyholders have less flexibility in choosing their healthcare providers.

How Private Health Insurance Can Help Those with Scleroderma

Private health insurance can help individuals living with scleroderma manage the symptoms and complications associated with the disease. The following are ways that private health insurance can help:.

Access to Specialists

Individuals with scleroderma may require care from specialists such as rheumatologists, pulmonologists, gastroenterologists, and dermatologists.

Private health insurance plans can provide access to these specialists, which is essential for managing the disease effectively.

Coverage for Medications

There are currently no specific medications approved for the treatment of scleroderma, but some medications can help manage the symptoms and complications associated with the disease, such as pain, inflammation, and high blood pressure.

Private health insurance plans can provide coverage for these medications, making them more accessible and affordable for individuals with scleroderma.

Coverage for Diagnostic Tests and Procedures

Individuals with scleroderma may require frequent diagnostic tests and procedures such as blood tests, pulmonary function tests, echocardiograms, and skin biopsies.

Private health insurance plans can provide coverage for these tests and procedures, which is critical for monitoring the disease and detecting any complications early.

Coverage for Physical Therapy and Rehabilitation

Scleroderma can cause joint pain and stiffness, which can make it difficult for individuals to perform daily activities.

Physical therapy and rehabilitation can help individuals with scleroderma improve their flexibility, strength, and overall quality of life. Private health insurance plans can provide coverage for physical therapy and rehabilitation services, which is essential for managing the disease.

Things to Consider when Choosing a Health Plan for Scleroderma

When it comes to choosing a health plan for scleroderma, there are several things to consider. The following are some factors to keep in mind:.

Network of Providers

Individuals with scleroderma may require care from specialists across different healthcare fields.

When choosing a health plan, it’s essential to select a plan that provides access to a broad network of providers, including rheumatologists, pulmonologists, gastroenterologists, and dermatologists.

Prescription Drug Coverage

As previously mentioned, there are no specific medications approved for the treatment of scleroderma, but some medications can help manage the symptoms and complications associated with the disease.

When choosing a health plan, it’s essential to select a plan that provides prescription drug coverage for these medications.

Out-of-Pocket Costs

Out-of-pocket costs can vary significantly between health plans, so it’s essential to consider these costs when selecting a plan.

Individuals with scleroderma may require frequent diagnostic tests, procedures, and specialist visits, which can add up quickly. When selecting a health plan, it’s essential to choose a plan with reasonable out-of-pocket costs.

Conclusion

While scleroderma is a rare disease with no cure, private health insurance can help individuals manage the symptoms and complications associated with the disease.

When selecting a health plan for scleroderma, it’s essential to consider factors such as the network of providers, prescription drug coverage, and out-of-pocket costs. With the right health plan, individuals with scleroderma can access the care and treatment they need to manage the disease effectively.