Although not a 24/7 “Crisis” agency, MS Navigators are trained and equipped to actively identify and take immediate action with individuals who present with suicide or homicide ideation; domestic violence, abuse and neglect; or self-harm indications. Through consultation with the Society’s crisis team, the MS Navigator will employ assessment and risk techniques to determine an immediate response and recommendations for long term plan of action and referrals.
- Contact police, APS/CPS, healthcare providers and other appropriate professionals as necessary to the situation.
- Follow up occurs with the individual to establish a plan of action that will work towards finding a sustainable solution for ongoing safety and well-being.
- If an immediate crisis exists in the health care provider’s office, please contact 911, National Crisis Suicide Hotline (1-800-273-TALK (8255) or National Domestic Violence Hotline (1-800-799-SAFE (7233).
Employment, Benefits, and Health Insurance
Health Insurance: MS Navigators with knowledge and expertise in employment, benefit and health insurance resources provide the individual with assistance in finding and paying for health insurance and health care. The type and level of this support includes:
Commercial/Private Health Insurers:
- Provide individualized evaluation of types of health insurance coverage options they may qualify for including, but not limited to, coverage for young adults, spousal coverage, or government programs like Medicare or Medicaid. Individual evaluation includes assessment of income level, annual health care needs, and program eligibility.
- Guidance and information about things to consider when choosing plans like formulary and provider networks. The MS Navigator does not conduct marketplace plan searches but rather guides patients on how to conduct a successful search.
- Provide information about insurance; subsidies and cost sharing; rights and protections including but not limited to protections against pre-existing condition denials; lifetime and yearly limits, out of pocket maximum, appeals rights and information. The MS Navigator does not walk patients through an appeals process, but guides them utilizing the tools and resources available to get to a successful outcome.
- Provide information and referrals on regulations and regulatory agencies.
- Provide information and resources to help with cost of care and coverage.
- Provide options and information for care without insurance.
- Provide information and resources for medical debt (or to avoid medical debt)
- Provide Medicare plan searches for open enrollment, special enrollments, and new to Medicare.
- Provide information and resources for Medicare therapy denials (specific to Improvement Standard and Therapy Caps).
- Provide information about appeal process. The MS Navigator does not walk persons through an appeals process, but guides them utilizing the tools and resources available to get to a successful outcome.
- Provide assessment and information about financial programs to help with cost of coverage and care.
- Provide general information about Medicaid eligibility and coverage.
- Provide information on Medicaid Spend Down programs.
- Provide information and veteran specific referrals.
** The Society offers an appeal letter toolkit with sample letters to make it easier for providers to assist with appeals, prior authorizations, etc.
Benefits: Detailed guidance and resources regarding private disability benefits and Social Security Benefits.
- SSDI (Social Security Disability Income)
- SSI (Social Security Income)
- STD/LTD (Short-term/ Long-term Disability) **The MS Navigator does not assist with initial application or appeals but will refer to SSDI or ERISA attorneys and guides patients utilizing the tools and resources available to get to a successful outcome.
- Information re: state mandated disability.
- General information about work incentives.
** The Society offers a Private Disability Guidebook
and Social Security Disability guidebooks
for professionals which include sample letters for provider use
Employment: Assessment of disclosure decisions, accommodation negotiation and requests, guidance and information on federal legal protections in the workplace, particularly Americans with Disabilities Act (ADA) and Family Medical Leave Act (FMLA), assistance locating state employment-related information and resources, and in depth employment resource guidance.
- Pros & cons of disclosure in the workplace.
- Requesting/negotiating accommodations.
- Information about federal legal protections in the workplace, particularly ADA & FMLA.
- Assistance locating state employment-related information and resources (e.g. state anti-discrimination laws, state-FMLA laws, state departments of labor, etc.).
- In depth resource guidance.
- Interviewing with a disability
- Addressing performance concerns/managing symptoms in the career change/transition
- Returning to work; work readiness