Paying for medical care for heart failure

Heart failure is one of the most expensive diseases to treat. Some of the costs are related to the rising costs of drugs, emergency room visits, hospital visits, and doctor office visits. Although there have been impressive advances in heart failure care, these improvements have caused the cost of treating this disease to increase significantly.

Insurance

Keep in mind that, even if your actual costs are very high, you may not be responsible for paying all of them. Many Americans have at least one form of health insurance that helps pay the costs of the health care that they receive. Call your insurer at the number listed on the back of your insurance card if you have questions about how much of your heart failure treatment your health insurance will cover.

Indirect costs

Medicines alone can mean thousands of dollars more in medical expenses. Medicines are the major component of heart failure treatment. The costs of medical therapy for heart failure have grown significantly in recent years because of the rapidly rising prices of almost all drugs.

You must also consider less obvious costs of heart failure. For example, the symptoms of heart failure may prevent you from working or reduce your ability to earn an income. It is important that you consider all of your possible expenses as you determine your ability to pay for heart failure treatment.

Helping you pay for your care

Fortunately, both large and small foundations exist to help people pay for medical care that they could otherwise not afford. Many of the foundations offer grants to pay for other services beyond health care. Many hospitals in the United States are not-for-profit institutions whose mission is to provide high-quality health care to the communities they serve. In many instances, this goal includes delivering medical services to people who cannot pay for care.

There is also assistance for people who cannot afford the medicines prescribed for their disease. In the case of medicines, drug manufacturers who have developed patient assistance programs (PAPs) distribute free or discounted medicines to people who otherwise could not afford them.

Last Updated: August 25, 2008

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