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Rx for Access
Online resource that helps patients better understand health coverage options, choose the right coverage, manage the denial process and reduce health care costs.
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Do I Have Arthritis?
Think you may have arthritis? Learn about the four most common warning signs.
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Gout
Gout is an inflammatory type of arthritis that can come and go.
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  • About Arthritis
    Common Topics
    woman holding her wrist What Is Arthritis?

    Arthritis is not one disease. Learn about the different types of arthritis, how they differ and why it’s important.

    microbes Inflammation and the Immune System

    Body-wide inflammation is at the root of most chronic diseases — and you may have more control over it than you think.

    Patient talking with nurse Newly Diagnosed With Arthritis

    A new arthritis diagnosis can be overwhelming. These tips can help.

    • Understanding Arthritis
    • Arthritis Types
    • More About Arthritis
    • Where it Hurts
    • Related Conditions
  • Treatments
    Common Topics
    Woman holding shoulder Webinar: Touch Therapies for Pain Management

    Learn the evidence behind popular touch therapies for arthritis, including what to try and what to avoid, for how long and when.

    Managing Arthritis Care Costs

    Learn the basics about health care costs and financial tools available to you.

    Man with head in hands on bed Webinar: Arthritis Fatigue Causes and Solutions

    Learn the various causes of arthritis-related fatigue and strategies to combat weariness.

    • Treatment Plan
    • Drug Guide
    • Joint Surgery
    • Complementary Therapies
    • Insurance Management
  • Healthy Living
    Common Topics
    Woman with upset stomach Microbiome, Gut Health & Arthritis

    Microbiome, microbes, microorganisms – these terms may be confusing, but the types of bacteria living in and on our bodies can impact arthritis. Learn what helps or harms the microbiome and the health of your gut and discover dietary changes that can make a difference. This episode was originally released on January 19, 2021.

    man exercising Stairs Workout Demo

    Strengthen your leg muscles and improve your stability to make going up and down stairs safer and easier.

    woman consoling another Arthritis and Mental Health

    Learn about the connection between arthritis, depression and anxiety and how these conditions can make your arthritis worse.

    • Ease of Use Products
    • Managing Pain
    • Recipes & Nutrition
    • Physical Activity
    • Emotional Well-being
    • Daily Living
    • Family & Relationships
  • Juvenile Arthritis
    Common Topics
    2023 JA Family Summit

    Learn about the National Juvenile Arthritis Conference, a place for families to connect, share and learn.

    JA Camps

    The Arthritis Foundation’s JA camp programs give kids with arthritis and related childhood rheumatic diseases the chance to make lasting memories.

    Juvenile Arthritis Volunteer

    • About Juvenile Arthritis
    • Treatment
    • Managing Pain
    • Medical Decisions
    • Nutrition
    • Emotional Well-being
  • Professionals
    Common Topics
    Transforming Clinical Interactions

    The Live Yes! Arthritis community connects patients with others online and in-person for support and education, and encourages patients to play an active role in their health care.

    Partners 4 Patients with Arthritis

    The Arthritis Foundation recently launched an initiative to build stronger relationships and increase recognition of our most engaged practices.

    Fellowships

    See how we're aiming to address the growing shortage of arthritis specialists, especially in under-served parts of the country.

    • Better Living Toolkits
    • Our Issue Briefs
  • Science
    Common Topics
    OACS Forum Series

    The Osteoarthritis Clinical Studies Forum Series features OA thought leaders from across the globe discussing the future of how the disease can be treated to improve patient outcomes.

    man bandaging boy's knee Conquering Childhood Arthritis

    The Arthritis Foundation is mobilizing patients and their families to engage in studies comparing the effectiveness of treatments for juvenile arthritis and funding research for more options.

    Focus

    • Awards
    • Funding Opportunities
    • OACS Forum Series
    • Osteoarthritis Focus
    • Participate in Clinical Trials
    • Partnerships
    • Publications
  • Get Involved
    Common Topics
    Capital hill Action Center

    Take action today - use the resources here to learn who your elected officials are, what opportunities we have to advocate from the comfort of your own home, federal and state legislation, and more!

    LiveYes! Insights thumbnail Live Yes! INSIGHTS

    Share your experience in a 10-minute assessment to be among those changing the future of arthritis.

    woman listening to podcast Live Yes! Podcast

    You may have arthritis, but it doesn't have you. The Arthritis Foundation’s one-of-a-kind podcast. Hosted by patients, for patients.

    • Advocacy
    • Ways to Give
    • Fundraising
    • Volunteer
    • Partnership
    • Live Yes! Arthritis Community
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#AsktheAF: Open Enrollment Edition!

During this season of open enrollment, the Arthritis Foundation is here to help you make an informed decision in selecting the best health coverage for your unique needs. Open enrollment is the time of year when individuals elect health care benefits through their employer, Medicare, Medicaid, or the federal and state health exchanges created through the Affordable Care Act. Open enrollment periods vary based on the type of insurance you have, but generally occur in the late fall.

As part of our commitment, the Arthritis Foundation hosted a webinar last month to provide a general overview of open enrollment and the tools and resources you need to secure the best health care for you and your family. In addition, we hosted our very first Twitter chat on November 9th devoted to this year’s open enrollment. Thousands of you engaged with us on Twitter to #AsktheAF and we rounded up your questions in one location.

Read on to learn more about open enrollment and the questions you asked during the Twitter chat. If you have further questions, the Arthritis Foundation also has licensed clinical social workers available to talk with you about these options or any other questions you may have about your care. Call toll-free at 1-844-571-HELP.


Federal Exchanges


What is the time frame for enrolling in a federal exchange plan?

Federal exchange enrollment is currently open and runs from November 1 to December 15. Visit healthcare.gov to learn about your options.

What types of questions should I ask when considering my health plan options?

Several questions that you should consider asking when selecting a health plan include:

  • Can I use co-payment cards as a part of my insurance? Will my co-payment card apply to the deductible?

  • Is my specialty care doctor on the list of network providers?

  • Are my prescriptions covered under the major medical or pharmacy benefit?

  • What formulary tier do my prescriptions fall under?

  • Do I have a choice of more than one pharmacy provider?

  • What services require prior authorization?


Are plans based on age?

Under the Affordable Care Act, protections exist to ensure that higher risk, older enrollees are charged no more than 3 times as much as a healthy young adult.

Do you have any suggestions if all your doctors are not included in any of the plans?

Ensure you weigh the cost of in-network & out-of-network provider benefits. Identifying the plan that covers as many of your current providers as possible will help ensure your out-of-network costs are as low as possible. If you are in an employer-sponsored plan, consider discussing the plan’s network with someone in your HR department to help inform future benefit design.

What if you and your spouse have enrollment dates that are different? Can you change your election before December 15?

It would be best to talk it out with a licensed social worker so you can discuss the best options for your family's specific needs. You can call our helpline at 844-571-HELP to speak to a licensed social worker who can help.

State Exchanges


How do state exchanges work?

State exchanges work very similarly to federal exchanges, but they are run by your local state government. If you visit localhelp.healthcare.gov you should be able to find assistance. All state and federal exchanges adhere to certain regulations, although state exchanges have some degree of latitude in many areas. Keep in mind that patient protections that apply to the federal exchange plans also apply to state exchanges. Open enrollment is currently open for all state exchanges, but the deadlines vary.

Can I have a state and a federal exchange plan at the same time?

No, depending on the state you live in, you'll be eligible for one or the other. You can visit localhelp.healthcare.gov to find out which plan you are eligible for.

Is it true that some state exchange plans don’t cover pre-existing conditions?

The Affordable Care Act remains the law of the land and pre-existing conditions are protected. Earlier this year, legislation was proposed that had the potential to eliminate these important protections, but the bills did not pass.

Costs and Access


How much should we expect to pay for a plan?

For federal exchange plans, depending on the plan you choose – bronze, silver, gold or platinum – you'll pay a percentage of the yearly costs for your care. Your insurance company will pay the rest. To understand how you and your plan would split costs on the federal exchange, check out healthcare.gov . To learn about the basic costs for enrollment in Medicare, visit medicare.gov .

Where would I look to understand prescription drug coverage offered by a plan?

Read the formulary as provided by your health plan to confirm that your medications are covered by the plan. You can refer to our toolkit to understand your formularies and the impact on your out of pocket costs, especially regarding biologics.

If my plan says it pays a percentage of drug costs, how do I calculate how much my out of pocket expenses will be, especially for expensive biologics?

You can refer to our toolkit , which will help you understand your out of pocket costs, especially regarding biologics.

What should I do if I encounter access issues once the plan year starts?

If you encounter issues with accessing medical care or treatment, we encourage you to talk with your benefits manager, HR department, or contact your insurance commissioner. The Arthritis Foundation has a resource online for you to learn about common reasons for claim denials and how to manage the appeal process in our toolkit, Your Coverage, Your Care .

Medicare


Do you recommend traditional Medicare or one of the Medicare HMO/PPO plans?

You may find better value with Medicare Advantage (HMO/PPO) over traditional Medicare, depending on your health needs. At a minimum, the plans offered through Medicare Advantage must offer coverage comparable to original Medicare. However, Medicare Advantage can limit the choice of providers. Check out detailed Medicare cost information on medicare.gov . For Medicare Part D, the prescription drug benefit, review the open enrollment guide available on the Arthritis Foundation’s website .

Employer-Sponsored Insurance


Do you recommend having double coverage and selecting different plans for your spouse and personal employer?

It depends. You should review both you and your spouse’s unique medical needs and coverage benefits of the plans. Reach out to your employer’s HR department for guidance about group coverage. In addition, you may contact a licensed social worker so you can discuss the best options for your family's specific needs. You can call our helpline at 844-571-HELP to speak to a licensed social worker who can help.

High-Deductible Health Plans


What is a high-deductible health plan (HDHP)?

According to healthcare.gov, an HDHP is a plan with a higher deductible than a traditional insurance plan. The monthly premium is usually lower, but you pay more health care costs yourself before the insurance company starts to pay its share (your deductible). An HDHP can be combined with a health savings account (HSA), allowing you to pay for certain medical expenses with money free from federal taxes.  Increasing numbers of patients are on HDHPs, sometimes by their choice and sometimes because it is the only option available to them through their employer.

How does a health savings account (HSA) factor into an HDHP?

An HSA is a type of savings account that allows you to set aside money on a pre-tax basis to pay for qualified medical expenses. A Health Savings Account can be used only if you have an HDHP.

What do HDHPs mean for me and my chronic disease?

For patients with a chronic disease such as arthritis, treatment is ongoing, and out-of-pocket costs can often put medications out of reach. Many drug companies offer programs to help relieve the cost of arthritis-related medications, covering co-payments at the pharmacy (e.g., co-payment cards). However, this type of co-payment assistance is not unlimited and often has monthly or yearly limits.

Will co-payment assistance vary from plan to plan or manufacturer to manufacturer?

Check out our website to learn more about copayment assistance available from a manufacturer for your arthritis-related medication. Each HDHP plan is different, so make sure you contact your insurer to learn how they treat co-payment assistance under HDHPs.

What do I need to know about co-payment assistance with my HDHP?

If you have an HDHP, a health plan’s benefit design may only credit you with the amount of money you spent out of your own pocket, rather than permitting the value of co-payment assistance to be applied to your deductible or out-of-pocket maximum. We recommend going right to the source and asking your health insurer how co-payment assistance is applied. If you have health insurance through your employer, speak with your HR Department to understand your health coverage options and whether the health plans available utilize programs that would place limits on co-payment assistance.

What if I have other questions about selecting a health care plan?

The Arthritis Foundation has created a toolkit, Your Coverage, Your Care , to help you better understand health coverage options, determine how your current plan meets your arthritis care needs, and guide you through the claim denial process.

Related Resources:



  • Your Coverage, Your Care Toolkit

  • Paying for Arthritis Treatment

  • Advocate for Arthritis

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    Donate

    Every gift to the Arthritis Foundation will help people with arthritis across the U.S. live their best life.

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    Volunteer

    Join us and become a Champion of Yes. There are many volunteer opportunities available.

  • Live Yes! INSIGHTS

    Live Yes! INSIGHTS

    Take part to be among those changing lives today and changing the future of arthritis.

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    Partner

    Proud Partners of the Arthritis Foundation make an annual commitment to directly support the Foundation’s mission.

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Ways to Give

Every gift to the Arthritis Foundation will help people with arthritis across the U.S. live their best life. Whether it is supporting cutting-edge research, 24/7 access to one-on-one support, resources and tools for daily living, and more, your gift will be life-changing.

Make a Donation

Help millions of people live with less pain and fund groundbreaking research to discover a cure for this devastating disease. Please, make your urgently-needed donation to the Arthritis Foundation now!

Become a Member

Become an Arthritis Foundation member today for just $20 and you'll receive access to helpful tools..... and more.

Make a Honor or Memorial Gift

Honor a loved one with a meaningful donation to the Arthritis Foundation. We'll send a handwritten card to the honoree or their family notifying them of your thoughtful gift.

Gift Planning

I want information on ways to remember the AF in my will, trust or other financial planning vehicles.

Other Ways to Give

  • Match Gift
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Volunteer


Volunteer Opportunities

The Arthritis Foundation is focused on finding a cure and championing the fight against arthritis with life-changing information, advocacy, science and community. We can only achieve these goals with your help. Strong, outspoken and engaged volunteers will help us conquer arthritis. By getting involved, you become a leader in our organization and help make a difference in the lives of millions. Join us and become a Champion of Yes.

Become a Volunteer

More About Volunteering

  • Walk to Cure
  • Jingle Bell Run
  • Do it Yourself Fundraising
  • JA Camp
  • Start a Live Yes! Connect Group
  • Be an Online Community Moderator
  • Local Leadership Board

Live Yes! INSIGHTS


Give Just 10 Minutes.

Tell us what matters most to you. Change the future of arthritis.

By taking part in the Live Yes! INSIGHTS assessment, you’ll be among those changing lives today and changing the future of arthritis, for yourself and for 54 million others. And all it takes is just 10 minutes.

Your shared experiences will help:

- Lead to more effective treatments and outcomes
- Develop programs to meet the needs of you and your community
- Shape a powerful agenda that fights for you

Now is the time to make your voice count, for yourself and the entire arthritis community.

Currently this program is for the adult arthritis community.  Since the needs of the juvenile arthritis (JA) community are unique, we are currently working with experts to develop a customized experience for JA families.

How are you changing the future?

By sharing your experience, you’re showing decision-makers the realities of living with arthritis, paving the way for change. You’re helping break down barriers to care, inform research and create resources that make a difference in people’s lives, including your own.

Get Started

Partner


Meet Our Partners

As a partner, you will help the Arthritis Foundation provide life-changing resources, science, advocacy and community connections for people with arthritis, the nations leading cause of disability. Join us today and help lead the way as a Champion of Yes.

Trailblazer

Our Trailblazers are committed partners ready to lead the way, take action and fight for everyday victories. They contribute $2,000,000 to $2,749,000

Visionary

Our Visionary partners help us plan for a future that includes a cure for arthritis. These inspired and inventive champions have contributed $1,500,00 to $1,999,999.

Pioneer

Our Pioneers are always ready to explore and find new weapons in the fight against arthritis. They contribute $1,000,000 to $1,499,999.

Pacesetter

Our Pacesetters ensure that we can chart the course for a cure for those who live with arthritis. They contribute $500,000 to $999,000.

Signature

Our Signature partners make their mark by helping us identify new and meaningful resources for people with arthritis. They contribute $250,000 to $499,999.

Supporting

Our Supporting partners are active champions who provide encouragement and assistance to the arthritis community. They contribute $100,000 to $249,999.

More About Partnerships

  • Partner with Us
  • Ease Of Use Commendation
  • Let's Get a Grip On Arthritis
  • Promotions that Give Back