Resources for Uninsured or Underinsured
The federal government website www.healthcare.gov provides the latest information about the Patient Protection and Affordable Care Act. The website also includes tools to help identify the best insurance options.
Resources for Medicare Beneficiaries
The National Pharmaceutical Council (NPC) has developed “Resources for Medicare Beneficiaries: Using Your Medicare Drug Plan–What to Do if Your Medicine Isn’t Covered.”
This 12-page publication helps Medicare Part D recipients and caregivers understand some of the challenges involved in navigating the Medicare prescription drug system, such as:
Active Duty Military & Veterans
On October 1, 2013, the Department of Defense established the Defense Health Agency (DHA) to manage the activities of the Military Health System. These activities include those previously managed by TRICARE Management Activity (TMA) program for active duty members and their families, retired service members and their families, National Guard/Reserve members and their families, survivors and others entitled to Department of Defense medical care.
The Veterans Administration offers comprehensive health care and other benefits for veterans and dependents of active-duty, retired or deceased members of the military. Call 1-800-827-1000 or visit www.va.gov for more information.
Workers’ Compensation
The Workers’ Compensation Administrators Directory lists Workers’ Compensation home page links for all 50 states and the District of Columbia.
Resources:
AARP
601 E Street, NW
Washington, DC 20049
Phone: (888) OUR-AARP (1-888-687-2277)
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.
www.aarp.org
Twitter: @AARP
Centers for Medicare & Medicaid Services
7500 Security Boulevard
Baltimore, MD 21244
www.cms.gov
Twitter: @CMSGov
Center for Consumer Information and Insurance Oversight(formerly the Office of Consumer Information and Insurance Oversight)
www.cciio.cms.gov/
Defense Health Agency (formerly known as TRICARE)
Military Health System
7700 Arlington Boulevard
Suite 5101
Falls Church, VA 22042-5101
www.tricare.mil
Twitter: @TRICARE
HelpHOPELive
Two Radnor Corporate Center
100 Matsonford Road
Radnor, PA 19087
Phone: (800) 642-8399
www.helphopelive.org
Twitter: @HelpHOPELiveorg
National Council on Aging & Access to Benefits Coalition
My Medicare Matters
www.mymedicarematters.org
National Council on Patient Information and Education
200A Monroe Street, Suite 212
Rockville, MD 20850-4448
Phone: (301) 340-3940
Fax: (301) 340-3944
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.
www.talkaboutrx.org
Twitter: @TweetNCPIE
National Organization for Rare Disorders
55 Kenosia Avenue
Danbury, CT 06813-1968
Phone: (203) 744-0100
TDD: (203) 797-9590
Fax: (203) 798-2291
E-mail:Via website
www.rarediseases.org
Twitter: @RareDiseases
National Pharmaceutical Council
1717 Pennsylvania Avenue, NW
Suite 800
Washington, DC 20006
Phone: (202) 827-2100
Fax: (202) 827-0314
Email:This email address is being protected from spambots. You need JavaScript enabled to view it.
www.npcnow.org
Twitter: @npcnow
Patient Advocate Foundation
421 Butler Farm Road
Hampton, VA 236666
Phone: (800) 532-5274
Fax: (757) 873-8999
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.
www.patientadvocate.org/index.php
U.S. Department of Health and Human Services
Health Services and Resources Administration (HRSA)
5600 Fishers Lane
Rockville, MD 20857
Phone: (888) ASK-HRSA (888-275-4772)
www.hrsa.gov
Twitter: @HRSAgov
U.S. Department of Veterans Affairs
810 Vermont Avenue, NW
Washington, DC 20420
Phone: (800) 827-1000
www.va.gov
Twitter: @DeptVetAffairs
U.S. Pain Foundation
670 Newfield Street
Suite B
Middletown, CT 6457
Phone: (800) 910-2462
www.uspainfoundation.org
Twitter: @US_Pain
Online Patient Assistance Programs:
Partnership for Prescription Assistance
Phone: (888) 4PPA-NOW
www.pparx.org
Twitter: @pparx
RxAssist.org
www.rxassist.org
State Medicaid Website Addresses:
Alabama
www.medicaid.alabama.gov
Alaska
www.dhss.alaska.gov
Arizona
www.ahcccs.state.az.us
Arkansas
www.humanservices.arkansas.gov
California
www.dhcs.ca.gov
Colorado
www.chcpf.state.co.us
Connecticut
www.dss.state.ct.us/dss.htm
Delaware
www.DMAP.state.de.us
District of Columbia
www.doh.dc.gov
Florida
www.fdhc.state.fl.us
Georgia
www.dch.georgia.gov
Hawaii
www.hawaii.gov/health
Idaho
www.healthandwelfare.idaho.gov
Illinois
www.illinois.gov/hfs
Indiana
www.in.gov/fssa
Kansas
www.kmap-state-ks.us
Kentucky
www.chfs.ky.gov
Louisiana
www.dhh.state.la.us
Maine
www.maine.gov/dhhs
Maryland
www.dhmh.state.md.us
Massachusetts
www.mass.gov
Michigan
www.michigan.gov/mdch
Minnesota
www.dhs.state.mn.us
Mississippi
www.medicaid.ms.gov
Missouri
www.dss.mo.gov/mhd
Montana
www.dphhs.mt.gov/
Nebraska
www.dhhs.ne.gov
Nevada
www.dhcfp.nv.gov
New Hampshire
www.dhhs.state.nh.us
New Jersey
www.state.nj.us/humanservices
New Mexico
www.hsd.state.nm.us
New York
www.health.state.ny.us
North Carolina
www.dhhs.state.nc.us/dma
North Dakota
lnotes.state.nd.us/dhs/dhsweb.nsf
Oklahoma
www.okhca.org/
Oregon
www.oregon.gov/DHS/healthplan
Pennsylvania
www.dps.pa.gov/
Rhode Island
www.dhs.ri.gov/
South Carolina
www.scdhhs.gov/
South Dakota
www.dss.sd.gov/medicaid
Tennessee
www.tn.gov/health
Texas
www.government.texasonline.state.tx.us
Utah
www.health.utah.gov/medicaid
Vermont
ovha.vermont.gov
Virginia
www.dmas.virginia.gov
Washington
http://hrsa.dshs.wa.gov
West Virginia
www.dhhr.wv.gov
Wisconsin
www.dhs.wisconsin.gov/
Wyoming
health.wyo.gov
Regulations through Medicaid, insurance or other health coverage programs can limit access to a variety of proven, safe and effective pain therapies. In some cases, the medication that your physician prescribes may not be on a state government’s “Preferred Drug List,” and will therefore be denied coverage.
Some states have oversight committees to evaluate spending for health technology. Washington state is one example, with a group called the Health Technology Clinical Committee (HTCC), which has denied a number of pain therapies for state employees, including TENS units and spinal cord stimulators.
Other ways that regulations can affect pain care include granting or denying FDA approval of pain medications and the creation of policies that modify/increase how drugs are monitored. In many cases, increased regulation leads to increased difficulty in accessing pain treatment that health care teams recommend. With every layer of regulation that is added, it is the people who live with pain that ultimately pay the price in terms of increased copays for doctors visits and cost of medication.
Another way that access is limited is through a growing practice among pharmacies to enact policies that prevent staff from filling prescriptions for pain medication.
These are just a few examples of how access to timely and appropriate pain care can be limited through “systemic barriers.” When you do hit roadblocks in your search for pain care, remember that you are your best advocate and that your voice deserves to be heard.
What is a Preferred Drug List (PDL) and Prior Authorization Program?
The preferred drug list (PDL) is a list of medications pre-approved by the state for use by Medicaid patients. All drugs that are not on the PDL are classified as “non-preferred” drugs. A physician can only prescribe a non-preferred drug for a Medicaid patient after going through the prior authorization process in which the state reviews the case patient profile and determines whether or not a patient should receive the prescription.
Some states’ Pharmaceutical and Therapeutics (P&T) Committees, Prior Authorization (PA) Committees, or Drug Utilization Review (DUR) Committees review classes of drugs and make recommendations on which drugs to include on the PDL. Most states make decisions based on safety, clinical efficacy, and cost. However, some states evaluate a manufacturer’s cost as a primary factor in determining a PDL.
How Does Prior Authorization Work?
Health care providers must contact a call center to obtain permission to prescribe a drug on the non-preferred list. Only the prescribing physician, an authorized prescriber, or staff member can request the prior authorization in most states. Other states allow the pharmacist to call the call center.
If a physician prescribes a non-preferred drug without seeking permission, the pharmacist will contact the physician and give him/her the option to change the prescription to a preferred drug or make the prior authorization request.
Prior authorization (PA) approvals vary in the length of time for which they are in effect. Some states honor prior authorizations for 6 to 12 months, while other states require a monthly PA.
Federal law mandates that states approve or deny a PA within 24 hours. If authorization cannot be approved or denied, Medicaid must provide a 72-hour emergency supply of the drug at the pharmacy for those patients who are Medicaid recipients.
Each state has implemented slightly different criteria that outline when a physician can prescribe a drug not on the preferred drug list. In some states, this can occur only after a patient tries a number of preferred drugs in a class and those previous therapies fail (step-therapy – see below for more information).Preferred drug lists and prior authorization approvals have the potential to:
Understanding How the PDL Committee Process Works
On the state level, appointed members are charged with reviewing various drug classes to recommend preferred medications in each class. Some drug classes are omitted. Consultants are generally hired to review available data and/or make recommendations and advise others who may similarly be interested in participating. Committees typically hold public hearings where the public can testify. Note that these committees make rules in advance of testimony, which may include whether testimony is written or oral.
Familiarize yourself with your State Medicaid office and procedures.
Understand the procedure for adding or restricting therapeutic classes of medication. If your state has public hearings or debates on amending policies, find out how to apply to appear and voice your opinion and advise others who may be similarly interested in participating. Know the facts about your therapeutic class and outline key message points in advance. Find out whether decisions regarding medications will be based solely on cost or whether patient safety will be a consideration.
Ask questions about the proposed policies:
Form alliances with other stakeholders for additional clout and ideas from adding other voices to the discussion. Additionally:
Therapeutic Switching and Step Therapy
Cost-saving measures such as therapeutic switching and step therapy can also raise barriers to accessing good pain care. People who live with pain have special considerations when it comes to both step therapy and therapeutic switching. Step therapy can force a patient to suffer – sometimes for months – in order to receive the medication that his or her physician feels is the best treatment. This is cruel and inhumane. Therapeutic switching can also cause problems for people with pain, who have often faced years of frustration in seeking a proper diagnosis and treatment, only to be blocked from the access to care at the pharmacy.
The U.S. Pain Foundation offers information and advocacy opportunities specifically surrounding step therapy in their “Advocacy” section. The organization led efforts in its home state of Connecticut to advocate for legislation protecting people with pain from “fail first” policies.
Step therapy and prior authorization are among the State Pain Policy Action Network’s (SPPAN) priorities. SPPAN also provides an online and current state pain policy finder tool, where pending legislation and policies can be searched by issue and state.
The National Fibromyalgia and Chronic Pain Association published their “Position Paper on Access to Care for Step-Therapy, Fail-First, and Special Tiers” in October 2011.
The Institute for Patient Access (ifPA) is a physician-led policy research organization dedicated to maintaining the primacy of the physician-patient relationship in the provision of quality health care. The Institute provides a number of white papers on subjects related to pain advocacy, including “Why Doctors Need to Know when Pharmacists Substitute Biological Medicines.”
Health care expenses are covered through one or a combination of ways, based on circumstances and eligibility. These include private health insurance, Medicare or Medicaid, state-based workers’ compensation programs or active-duty military or Veterans Health Administration. The implementation of the Affordable Care Act means that most people must have health coverage, or face fees and penalties. Some states will have their own health care exchanges, some will be forming partnerships with other states, and others have opted to let the federal government run their health exchange program.
Within each of these programs, there are an often overwhelming array of policies, regulations and procedures that dictate coverage of pain treatments. As you’re likely aware, just because a physician recommends a certain course of treatment or medication does not mean that an insurer will cover those costs. For people with pain and their caregivers, this may mean that you have to work harder to ensure access to benefits that you are entitled to through appeals or working to change policies.
By understanding how your insurance plan operates you may be in a better position to advocate for improved pain care. It is also important to be aware of cost-saving strategies that insurers use that may affect pain treatment. Caregivers and health care professionals can also advocate for improved access on behalf of themselves and their loved ones.
According to the Agency for Healthcare Quality and Research, access to health care means having “the timely use of personal health services to achieve the best health outcomes.” Attaining good access to care requires three discrete steps:
Health care access is measured in several ways, including:
The Affordable Care Act (ACA) is now law. The law puts into place comprehensive health insurance reforms with the stated goals to: hold insurance companies more accountable, lower health care costs, guarantee more health care choices, and enhance the quality of health care for all Americans. Health insurers can no longer charge more or deny coverage to anyone because of a pre-existing condition, which can make a big difference for a person who lives with pain. The Act will not be implemented all at once. Portions of the law have already taken effect. Other changes will be implemented over a number of years. To find the latest information, visit www.healthcare.gov.
Information about health care reform can also be found at the Kaiser Family Foundation’s website: http://healthreform.kff.org.