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Who is eligible for FLASH benefits?
Those who have been diagnosed with an asbestos related disease and who have a lung abnormalities on chest x-ray or chest CT, identified by one positive B-read or a positive CT read by a qualified physican, are eligible for FLASH benefits.
In addition, people who have met the 6 month exposure criteria, the 10 year latency criteria and who have an asbestos related cancer are also eligible for FLASH benefits even if they do not have a lung abnormality. The asbestos related cancer must be confirmed by histopathology, which are tests that your doctor orders. Recognized asbestos related cancers include: mesothelioma, and cancers of the lungs, larynx, pharynx, esophagus, stomach, colorectum, and ovaries.
How do I apply for FLASH benefits?
If you meet the eligibility requirements, there are several ways to get signed up for FLASH benefits.
- If you completed a CARD Screening, the CARD team will assist you in filling out the proper application and in providing the necessary medical documentation. If you meet this requirement, you may contact CARD directly, or apply online by CLICKING HERE.
- If you have a Grace Libby Medical Plan card you can contact FLASH directly and request an application to get signed up.
- If you participated in the 2000-2001 asbestos screening in Libby, conducted by ATSDR (Agency for Toxic Substances and Disease Registry), and had one B-readers identify lung abnormalities, you are eligible for FLASH benefits. You can contact FLASH directly and request an application to submit, but you will also need to provide the B-read report that identify your asbestos related lung abnormalities.
- If you are diagnosed with an asbestos related cancer and meet the exposure and latency eligibility requirements, you can contact FLASH directly and request an application to submit, but you will also need to provide the histology report confirming the cancer diagnosis.
Does anyone automatically get enrolled in FLASH benefits?
Yes, anyone who had LAMP Supplemental benefits will be notified by letter that they are enrolled in FLASH benefits. You will just be asked to complete a quick questionnaire regarding what other insurance benefits you have. Then you will receive a FLASH Supplemental Benefits card and plan document.
What coverage is offered by the FLASH benefits?
FLASH benefits are intended to be the ideal medical plan that will cover all asbestos related conditions which are currently recognized by the medical literature as associated with asbestos exposure. This does includes treatment of the asbestos related cancers. For a complete description of what is covered, request a FLASH plan document.
How do FLASH benefits work?
Once you are enrolled in the FLASH program, you will receive a FLASH Supplement Benefits card and a plan document in the mail. Then you show your FLASH benefits card to your medical providers, and your pharmacy, so they can submit your asbestos related healthcare bills to FLASH after they have been submitted to any other insurance that you have.
Do I have to use my other insurance first?
Yes. FLASH is the payer of last resort. This means that your asbestos related healthcare services must first be billed to your other insurances. Then any deductibles, co-pays, 20%, etc. could be submitted to FLASH. The goal is that it should not cost you anything at all to receive asbestos related healthcare.
What if I don't have any other insurance?
If you do not have any other insurance, all of your asbestos related healthcare services covered by the plan can be sent directly to FLASH for payment. However, all non-asbestos related healthcare services will not be covered.
Who do I contact for more information or if I have questions about FLASH?
For more information and any questions about FLASH, contact Kelly at 1-406-751-3343 or Lisa at 751-3357.
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