Sheila’s financial advisor recommended that she contact HCP for health insurance guidance regarding her adult daughter, Karen, who had a massive stroke. In addition to the stroke, she also had many health issues, including Multiple Sclerosis, diabetes, complications from COVID, seizures, reflux, sciatica and hyperlipidemia. Karen was unable to perform simple daily tasks to take care of herself and is confined to a long-term care facility. Prior to the stroke, Karen had a full-time job and will not be able to work any longer.
Sheila wanted assistance determining if COBRA or individual market insurance was the best option for her daughter and she needed assistance with the entire disability application process with Social Security. HCP went to work analyzing COBRA vs individual marketplace insurance. We checked all of her providers for in vs out of network coverage and we determined that Karen should stay on COBRA until her disability application was approved.
Next, we assisted Sheila with the comprehensive Social Security (SS) disability application on her daughter’s behalf. The application consists of various parts, which we assisted Sheila in completing, along with multiple calls to Social Security. The entire process took approximately 9 months from the beginning to the end, but Karen was approved for full Social Security Disability Benefits, which will result in her receiving financial and Medicare health insurance benefits for the rest of her life.
Sheila was so grateful to have the ongoing support through all of the insurance transitions and the level of professional advice and guidance she received. Now she does not need to worry about her daughter’s future healthcare benefits.
At Healthcare Pathfinder, we help create peace of mind for our clients.
Click here to contact us if you need help or more information on how Healthcare Pathfinder can help you and your family. We are a fee-for-service professional healthcare advice, advocacy, and management firm. We do not sell insurance or share commissions.
*We have changed our clients’ names in our stories.*