Most bleeding-disorder medications are very expensive. This can create understandable hesitation for behavioral-health facilities—especially when they aren’t familiar with how insurance covers these medications.

Depending on the type of insurance, a single dose of medication can cost more than the facility’s per-day (per-diem) payment. This happens most often when:

• The person has Medicaid managed-care coverage with risk-based payment models, or

• Private insurance pays facilities under bundled payments, case rates, or global budgets.

When facilities aren’t sure whether they’ll be reimbursed for the medication, they may delay or deny admission.

Fortunately, there are simple solutions:

1. Bring your medication from home.
   If the facility allows patients to bring their own prescribed medication, cost isn’t an issue—this is often the fastest and easiest solution.

2. Clarify payment with the insurer.
   If home medication isn’t allowed, the insurer can explain exactly how the facility will be reimbursed or how a specialty pharmacy can ship the medication directly.

Your bleeding-disorder treatment team can help with both of these steps and provide sample policies, insurer contacts, and documentation.

Step 1: Ask About Using Medication from Home

“Does your facility have a home-medication policy? If so, I already have my prescribed medication at home and can bring it with me at admission, so payment wouldn’t be an issue.” “If your facility doesn’t currently have a home-medication policy, we can share a sample policy that makes this process easy and ensures safety and cost transparency.”

Step 2: If Home Medication Isn’t Allowed

“We understand your concerns about the cost of bleeding-disorder medications. In some cases, your facility can bill insurance directly for the medication, even if you’re paid through a per-diem or risk-based model.” “We’d be happy to contact the insurer or join a call with you to confirm how reimbursement will work. This helps avoid confusion or delay.”

Talking Points for Insurer Calls

“We’re calling to confirm how [my / my family member’s] bleeding-disorder medication will be reimbursed if given during a behavioral-health admission.” “Can you confirm whether the medication is carved out and reimbursed separately from the facility’s per-diem rate?” “If not, can the facility bill directly for the medication, or would a specialty pharmacy handle billing and shipment?” “Are there any prior-authorization requirements or documentation we should send to avoid delays?”

After the call, write down the name of the insurance representative, date, and what was agreed upon. This record can prevent confusion later.

Sample Email to the Facility

Subject: Coverage for Bleeding-Disorder Medication

Dear [Facility Contact Name],

Thank you for discussing my ongoing treatment needs. I’ve confirmed the reimbursement approach for my bleeding-disorder medication with my insurer, and I’m sharing the details below.

Maintaining my established treatment protocol is essential for my medical stability and significantly reduces the risk that my behavioral-health treatment will be interrupted by a bleeding event.

Based on what I confirmed, your facility will [not be responsible for the cost / can bill directly / will receive the product via specialty pharmacy/I will bring my medication from home].
This information should help clarify that there will be no unexpected financial burden related to the medication.

Please let me know if you’d like to speak with my treatment team or insurer directly—I’m happy to coordinate.

Warm regards,
[Your Name]
[Your Contact Information]
(optional) [Bleeding-Disorder Treatment-Team Contact Info]