Cancer is a disease that no one likes to mention out loud; yet it remains one of our primary concerns when it comes to organizing our health insurance. We need the reassurance of knowing that the policy that we pay into will cover the costs necessary to achieve a speedy diagnosis, getting the right treatment, and ensuring that we have access to the latest revolutionary medication in the battle against the disease.
In essence we want to make sure that our health coverage will work with us in ensuring we have access to whatever treatment or therapy will give us the best chance of survival.
Behind Closed Doors – Health Insurance and Cancer
Health insurance and the prospect of cancer are not, generally, topics for open lively discussion. Even in the supposedly enlightened times we live in, many people consider the topic of cancer and associated health insurance coverage as taboo — hushed up and hidden from view wherever possible.
But, unless you face up to the harsh reality of what a diagnosis will mean, you won’t have the opportunity to find the right health coverage. Of course, insurance companies have guidelines they must follow regarding how to handle a diagnosis of the various types of cancer. Even so, different insurers in different states vary widely as to what they’ll cover.
Getting the Right Health Coverage
Read about the things you can do to ensure that you get the type of health coverage you need:
- Financial Limits: Some of the less expensive insurance options available may have low set limits on the amount of money they will pay towards treatments for cancer. As an example, say that a policy paid out $50,000 a year towards your cancer treatment, this money would have to cover all of your medication costs, specialist treatments as well as any regular or diagnostic testing that you needed. Of course some people may not need to break through this financial limit, but there will be others. For example those prescribed new groundbreaking drugs, which can cost at least $25,000 for a single course of treatment, will soon reach the financial limits in place on their policy. So when you look at arranging a policy, remember to check the financial limits that apply.
- Treatment: Prescribers may not necessarily use some newly licensed drugs that come onto the market at first, and your insurance provider may take some time to include them in the policy, if ever. When working through the arrangement of your policy, check with the insurer about their position on new drugs and newly devised treatments and clinical trials that may begin after your policy starts. You should also bear in mind that some treatments may only get covered in a policy that offers comprehensive cancer coverage.
- Aftercare: Often a policy will not only cover the cost of your treatments it will also cover the cost of any aftercare you receive. This could include things like wigs, prosthetics, or specialist consultations, and even check ups; though this is more common with comprehensive polices rather than budget packages.
About the Author: Guest contributor, Laura Stark, works as a writer for 2healthinsurance.net, a well established company that can help you to find cheap health insurance that meets all of your needs no matter what your circumstances.
Family image from momaboard dot com
- Are You Adequately Insured? (blogs.lawyers.com)
- Combine Health Insurance with Your Spouse (261/365) (thesimpledollar.com)