Insurance & Parkinson’s Disease APDA Education & Support Living with Parkinson’s Disease Insurance & Parkinson’s Disease Types of insurance and the levels of coverage available may depend on your geographic location. Because many of the industry’s rules and regulations differ by state and most plans include limitations and restrictions, it become obvious why this subject is so complex. Understanding which options are available—and when you become eligible for each—will help you select the best plan for your needs. Insurance issues are only one of the many issues surrounding early onset Parkinson’s disease that you may have questions about, including: TYPES OF INSURANCE Learn the differences between group and individual health insurance, short- and long-term disability, life, supplemental and long-term care insurance options. OPTIONS AFTER PARKINSON’S DIAGNOSIS Don’t assume that you can’t obtain insurance after receiving a Parkinson’s diagnosis; there are options, including the forthcoming changes from the newly passed federal Affordable Care Act. GOVERNMENT PLANS & ASSISTANCE There are various federal insurance-related rules and regulations and government-sponsored plans that may benefit you including COBRA, HIPAA, health savings accounts, state health insurance risk pools, Social Security Disability Insurance (SSDI), Medicare, Medicaid and the new Pre-Existing Condition Insurance Plans (PCIPs). FOR THE UNINSURED If you do not have group or private health insurance coverage, many states provide health insurance risk pools and other avenues for obtaining healthcare services for little or no cost.