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Your rights for breast reconstruction after cancer

If you’re navigating the challenges of breast cancer, you might feel overwhelmed at times. As part of Breast Cancer Awareness Month, we want to be sure you understand what is covered under your insurance and the Women’s Health and Cancer Rights Act (WHCRA).

Enacted in 1998, WHCRA ensures that women receive the care and support they deserve during their healthcare journey. Let’s break down what WHCRA means for you.

What is WHCRA?

WHCRA is designed to protect women who undergo mastectomies and other related treatments. Here are the key benefits it offers:

  1. Reconstruction Benefits: If you need a mastectomy, WHCRA ensures that your health plan will cover all stages of breast reconstruction. Whether you have one breast removed or both, you deserve support in restoring your shape and confidence.
  2. Post-Mastectomy Care: The law also covers additional surgeries that might be needed for a symmetrical appearance or to fix any complications from the mastectomy.
  3. Prosthetics and Accessories: If you choose to use prosthetic devices or breast forms, WHCRA ensures these are also covered, helping you feel more comfortable and confident.
  4. Nondiscrimination: The law prohibits insurance companies from charging you extra or denying coverage just because you’ve been diagnosed with breast cancer. It’s all about making sure you’re treated fairly.

Why is WHCRA Important for You?

If you are dealing with breast cancer, you already have so much on your plate. WHCRA aims to lift some of that burden off your shoulders. Here’s why it’s important:

You’re Empowered: With WHCRA in your corner, you can make informed decisions about your treatment options, knowing that support is available.

Whole Person Approach: This act acknowledges the emotional aspects of battling breast cancer. It emphasizes not just your physical health but also your mental well-being so you can focus on healing.

Access to Information: You might not even realize the protections available to you under WHCRA. By understanding your rights, you can better advocate for yourself and ensure you get the care you need.

Making the Most of WHCRA

If you or a loved one is facing breast cancer, here are some friendly tips on how to fully benefit from WHCRA:

  1. Know Your Rights: Understanding your health coverage under WHCRA is important. Knowing what’s available can empower you during your treatment journey. If you are our member, you can call the number on your member ID card to talk to one of our friendly customer service representatives and get help from our nurse case managers.
  2. Talk with Your Healthcare Team: Share your treatment goals and preferences with your doctors. They can guide you through your options and connect you with the right specialists.
  3. Advocate for Yourself: If you encounter any issues with your insurance regarding WHCRA coverage, don’t hesitate to speak up. This law is designed to protect you!
  4. Find Support: Connect with support groups of fellow breast cancer survivors. Hearing their stories can provide valuable insights and encouragement as you navigate this journey. If you need mental health support, please reach out to your provider or our customer service team or go to mymindhelp.com to connect to local resources.

The Women’s Health and Cancer Rights Act provides access to essential treatments and recognizes your needs. You deserve comprehensive care that respects and supports you.

For more info, contact advocacy groups or check with your insurance provider. And always remember: you’re not alone in this fight! Empowerment and support are here when you need it.

 

Source: Centers for Medicare and Medicaid Services (CMS) https://www.cms.gov/cciio/programs-and-initiatives/other-insurance-protections/whcra_factsheet

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