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Insurance Information

For many people diagnosed with CF as children, state programs for children with special needs have helped provide medical coverage. This coverage ends at age 21. Others may be covered under a parent's medical insurance policy. This coverage usually ends once a patient reaches adulthood and/or is no longer a full-time student.

It is important to think about medical insurance when looking for a first job or when seeking a job with a new employer. It's an excellent idea to evaluate the medical plan offered by the employer, check out the type of benefits included in the policy, and learn about the employer's policy limitations.

Here are some questions/issues to consider when looking at insurance benefits:

  • Are you able to choose which doctor you see?
  • What sort of coverage does the policy have for prescriptions or for durable medical equipment ("DME" means things like oxygen, insulin pumps, etc.)
  • Is there a limit on how much can be spent annually for prescriptions or for DME?
  • Is case management available through the insurer?

Working with your CF social worker and your insurance case manager whenever possible and educating your insurer about cystic fibrosis also helps create a positive relationship with your insurance provider.

Links to insurance resources and information:

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