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Cancer can be very expensive to treat. That’s where insurance comes in. It can help cover the cost of cancer treatments and help alleviate the unexpected expenses a cancer diagnosis often brings. Here’s everything you need to know about cancer treatments and insurance coverage, including Aflac cancer insurance plans for individuals.
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Yes, the Affordable Care Act (ACA) requires that health insurance plans cover people with pre-existing conditions, like cancer.1 However, you'll likely still have many out-of-pocket expenses that are not covered by your insurer.
Without insurance, cancer treatment costs can quickly add up to six figures. Treating cancer can be expensive. From deductibles and copays to treatment, transportation and childcare, there are expenses that health insurance may not cover.
Some cancer treatments are more expensive than others, and costs vary based on the stage and location of the cancer. The average monthly chemotherapy cost can range from $1,000 to $12,000 depending on the drug and type of cancer being treated.2
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedCancer insurance is a supplemental policy, or additional coverage that can help fill in the gaps and cover expenses that your health insurance plan doesn’t cover. Aflac cancer insurance policies provide cash benefits that can help with out-of-pocket expenses as you receive cancer treatments.
The Affordable Care Act mandates that insurers cover cancer treatment, even as a pre-existing condition.1 However, there are still many associated costs not covered by health insurance. Supplemental cancer insurance can help with unexpected or out-of-pocket expenses and related healthcare costs that aren’t covered by health insurance.
Cancer insurance may be particularly worth it if:
Cancer treatment is daunting enough without the added financial stress. With Aflac cancer insurance for individuals, you can help reduce some of the out-of-pocket expenses that take a toll on your physical and emotional health. You can apply for this supplemental policy directly through Aflac. Chat with an agent to learn more about cancer insurance and get a quote today.
Get Started
The cost of cancer insurance can vary based on several factors, like your age and the type of policy you choose. Learn how much cancer insurance costs.
Cancer insurance can give you extra financial security in case you get a cancer diagnosis. Learn how cancer insurance works and the pros and cons.
The cost of cancer insurance can vary based on several factors, like your age and the type of policy you choose. Learn how much cancer insurance costs.
Cancer insurance can give you extra financial security in case you get a cancer diagnosis. Learn how cancer insurance works and the pros and cons.
1 American Cancer Society Cancer Action Network - Cancer Patients & Survivors Strongly Support Maintaining Funding for Medicaid and Protections for Preexisting Conditions. Updated February 12, 2025. Accessed June 3, 2025. https://www.fightcancer.org/policy-resources/cancer-patients-survivors-strongly-support-maintaining-funding-medicaid-and.
2 SERO - The Cost of Cancer. Published February 23, 2025. Accessed June 3, 2025. https://treatcancer.com/blog/cost-of-cancer/.
Cancer insurance is also known as specified disease insurance in some states.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Cancer/Specified-Disease, B70000 series: In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. A75000 series: In Virginia, policies A75100VA–A75300VA.
Other coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Cancer/Specified Disease plans, T70000 series: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma T70000OK, In Virginia, policies T70000VA & T70000GVA.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
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