Paul Fisher Insurance Services LLC

If you have a history of cancer you’ll find it hard to be enrolled in any kind of medical care policy. However this is also a difficult time for them to look for a decent job. Employers are of course wary about hiring applicants with cancer because this will drive up their medical expense.

Low-cost health insurance can also be a hassle. The cancer survivor is usually hit with very high premiums, the obvious exclusion because of a pre-existing condition, and the uncertainty that the health insurance provider really does not want to insure the individual.

The unfortunate catch-22 situation that a cancer survivor is placed makes them wonder what the point is of having health insurance of any kind. Often they are categorized under the high risk pool. This is the reason why their premiums are high. You will need to pay a medical policy even though you won’t have coverage for eighteen months because you used to have cancer.

Most plans specialize in managed preventive care instead of catastrophic benefits that a lot of people will need some time in their lives. This puts the survivors in high-risk pools that will give them a problem of paying the costly premiums.

Most patients will try their best to pay their premiums but it will come to a point when they can no longer pay. This leads them to hold on to whatever they have so they could keep paying their premiums and keep their policy.

The opportunity to find a different carrier with an offering of a lower cost health insurance policy is very slim. For some individuals, they feel that getting an individual paying policy is less adequate than going through an employer-sponsored insurance.

The new health insurance provider may require and elimination of the rider for the cancer treatment you so desperately needed simply because they can. Sad to say, there are insurance providers who will not give you coverage until five years after. But it defeats the purpose of applying for health insurance. Because of financial challenge, some patients just turn to their state government for health coverage,

via Health Insurance and Survivors of Cancer.

Even though you have already recovered from cancer, you still have to face another problem – finding an affordable medical insurance. The common health insurance policy is set up to cover necessary medical expenses and non-medical expenses. Your non-medical costs cover your loss income when you lose your employment.

Other familiar features include the in-home health care, ambulatory transportation and when it becomes necessary, childcare expenses for those individuals who still have young children residing in the home. Included under medical costs are co-pays, medical tests, extended hospital stay and other medical emergencies.

Cancer survivors need to consider a few important facts before they begin to proceed with caution.

1. Cancer diagnosed before the application of the health insurance policy

2. Cancer that began before the application of the health insurance policy even if the individual was not aware

3.Cancer related illnesses such as common infections, pneumonia, and diabetes

4.Outpatient treatment coverage just in case the cancer occurs again

Individuals who are susceptible to cancer needs a complete medical coverage compared to those who are not susceptible to it. I know this is not easy to decipher but it helps for you to trace your family medical history.

Most health insurance providers will cover hospitalization for up to ninety days in an annual cycle, though the majority of patients remain in the hospital for about twelve to fourteen days at a time. It’s already difficult as it is if you have been diagnosed with cancer. The last thing you would want to worry about is looking for a goodhealth care .

Patients who recovered from cancer who are lucky enough to go back to their jobs will more easily be able to keep their health insurance. If you get your plan through a group insurance, then it will be better for you since it will mean getting lower premium rates.

It is vital for cancer survivors to know that having a health insurance is extremely important for their care because anytime cancer might come back. Even a temporary long-term health insurance policy is far better than no health insurance policy. Catastrophic health insurance is another option for the cancer survivor.

via A Health Insurance Guide for Cancer Patients.

A cancer diagnosis can be overwhelming enough before you even start to consider the financial ramifications. Cancer insurance policies were created fairly recently in response to rising cancer rates. These policies are designed specifically to help curtail the expenses related to cancer care.

What is Cancer Insurance?

Cancer insurance is a supplemental insurance policy, meaning it does not take the place of an entire health insurance policy. It is used to cover the costs of cancer treatment that are not included as part of a standard policy. Cancer insurance can be a great help to cancer patients, allowing them to focus on their recovery rather than worry about mounting medical bills. However, it is not available to everyone.

Cancer Insurance Eligibility

To qualify for a cancer insurance plan, you must be totally free of any pre-existing cancerous conditions. This is all the more incentive to plan for the future by purchasing a cancer insurance plan before it is needed. In most cases, you will also not be eligible for coverage if you have been successfully treated for cancer in the past.

Cancer Insurance Coverage

Although plans vary from policy to policy, most cancer insurance plans allow for coverage of medical and non-medical expenses. The medical expenses include such things as hospital stays, medications, and cancer-specific treatments. The non-medical coverage extends to other costs that have been accrued as a direct result of a cancer diagnosis. This includes things like the loss of an income, the costs of home childcare, and special dietary needs. Loss of income coverage can be especially helpful when a cancer patient is unable to work due to their illness. Non-medical can also cover things like transportation, such as the ambulance or helicopters used to bring patients to the hospital.

Choosing a Cancer Insurance Plan

Because policies can differ greatly, it is always important that you take the time to fully understand and compare each cancer insurance plan before you make a decision. One quick way to get the most efficient pricing on a plan is to compare it to your health plan. This can help you discover any overlap in coverage between the two policies and allow you to make the most cost-efficient choice. After all, you don’t want to pay for any kinds of coverage in your cancer insurance plan that you are already paying for in your health plan.

Disease-specific insurance policies are currently a topic of considerable debate. While some argue that the general benefits of cancer insurance could be met by a traditional health insurance plan, others have found cancer insurance to be an invaluable complement to their health plan. While this can change from person to person and plan to plan, there are a few things you can think about to help you decide if you should purchase a cancer insurance plan. Does your family have a significant history of cancer? Does your career or lifestyle put you in a higher risk group for cancer? Is your current health plan equipped to handle any medical and non-medical costs that could arise if you were diagnosed with cancer? Answering “yes” to any of these questions is a good indication that you should look into a cancer insurance policy.

For people at a low-to-average risk for cancer, it might be a more financially sound move to update their current health insurance plan with coverage aimed at cancer-related costs. This could cost less than the addition of a whole new disease-specific policy. However, it’s important to realize that this could mean giving up the non-medical expenses offered by a cancer-specific policy, including loss of income.

Finally, keep in mind that cancer insurance is not a replacement for a standard health insurance plan. It is meant as a supplement and not designed to stand on its own. A solid cancer insurance policy will work with your health plan to make sure all your bases are covered in the event you’re diagnosed with cancer. Everything should be covered, such as chemotherapy, experimental treatments, transportation to and from the hospital, loss of income, child care, medication, and more. With three out of seven Americans contracting cancer in their lifetimes, this might be the right time to give yourself the peace of mind that comes from full coverage.For consumers looking for insurance online and where to get the best insurance quote possible, look no further than 2insure4less.com. Whether it is auto insurance, home insurance, health insurance, life insurance, cancer insurance, disability insurance, business insurance or burial insurance, 2insure4less has helped countless consumers find insurance online.

via An Overview of Cancer Insurance.