When someone receives the frightening news that they might have cancer, besides asking “Will I survive this?”, the next concern is probably whether they can possibly afford to financially cover the treatments needed to survive. With cancer insurance, you can counter these fears with coverage that can protect your family, yourself and your financial situation.
Obtaining cancer insurance coverage can be accomplished via an employer or through a health insurance company. Supplemental policy coverage can greatly help cover the expenses that the normal health insurance will not cover, such as deductibles, co-pays, and more. Additionally, mammograms and colonoscopies are also covered so as to ensure that you get the preventive help you need.
Should you be diagnosed with cancer and wish to file a claim, your doctor will be required to submit some paperwork. You will need to first obtain a copy of your diagnosis from him or her and a copy of your treatment plan. The insurance provider will take this information, evaluate it and then come to a determination as to what types of claims you can file in the future.
Cancer usually means ongoing treatment, which also means that you will likely be filing many claims through the policy to help pay the extra costs that your health insurance does not cover. It is important to stay organized with respect to your record-keeping.
Usually, this kind of policy will pay out for the entire expense of treatments, like radiation and chemotherapy, while normal health insurance pays only a percentage. This policy will also pay for the scans that track your cancer’s progression and will provide compensation for any overnight lodging that is dictated for treatment.
Cancer insurance can be a tough thing to sign up for, but it can end up being a financial life-saver, as well a physical one. With this coverage, your family and your financial future will be protected.