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While we hope you never have to receive a cancer diagnosis, they are common. The bad news is that health insurance doesn't cover everything. Cancer treatment without insurance could be financially destabilizing.
Having a standard health insurance plan may cover some of the costs, but there can still be large sums expected to be paid out-of-pocket. Co-pays, travel, lodgings, and home health service costs can add up fast, which is why having a cancer insurance policy may be worth it.
Aflac Cancer Insurance helps you with unexpected expenses following a covered cancer diagnosis, so you can focus on getting better. Our lump-sum cash benefits can be used however you see fit, whether it be for medication, transportation, treatments or everyday bills. Read on to learn if you can get cancer treatment without insurance, how much it costs, and how cancer insurance can help.
Aflac’s cancer insurance is a kind of supplemental plan that helps cover a wide variety of expenses that your primary insurance plan may not completely cover. Our plan works with your existing health insurance to help with costs associated with cancer treatments.
Benefits can be used as you see fit. Aflac cancer insurance is here to help you and your family better cope financially – and emotionally.
You can get cancer treatment without having a health insurance plan. However, you may have to cover all the costs, which can be very expensive. Having an insurance plan can help lower the out-of-pocket costs you’ll pay to get treated for cancer.
Some cancer treatments are more expensive than others, but they almost always come with considerable fees. If you don’t have insurance, medical expenses can add up quickly. Cancer costs can range depending on the stage and location of the disease.
The National Cancer Institute found the average cost of medical care and drugs to be over $42,000 in the year after a cancer diagnosis.1 Supplemental cancer insurance can help protect your income from the out-of-pocket expenses that may still arise with a health insurance plan.
It’s not uncommon for cancer patients to have a hard time paying medical bills, let alone everyday bills like groceries and utilities. Our cancer insurance pays out lump-sum cash benefits upon a covered claim that you can use however you see fit, whether it be for lost wages or paying rent.
Having cancer without health insurance can be stressful, but having primary and supplemental cancer insurance can help protect your savings and emotional well-being.
Getting cancer without insurance can take a financial toll. Below are some of the factors you may want to consider when deciding if you need supplemental cancer insurance:
It’s important to get tested for cancer so that you can be prepared in case of the unexpected. Additionally, getting an Aflac cancer insurance policy before a diagnosis can help ensure you receive the coverage you need. These are all things to consider when deciding whether to apply for supplemental cancer insurance.
Cancer insurance is a supplemental policy that can cover expenses a health insurance plan may not cover. With cancer insurance, you can receive a cash benefit that can give you financial assistance as you receive cancer treatments. You can use the funds to cover mortgage payments, electricity bills, medication refills, everyday costs, and any other necessary expenses.
Supplemental cancer insurance may be worth the cost because it can help save you money in the long term if you're diagnosed with a covered health event. It may be challenging to pay for cancer treatments entirely out-of-pocket.
There are a few cases where having cancer insurance is particularly worth it:
We hope you never find yourself in a position where you have cancer and no form of support. Aflac Cancer Insurance can help pay for various costs associated with covered cancer treatments that your primary insurance may not cover. From preventative care to ongoing support, we create affordable and detailed plans to meet your needs best.
1 STAT - Cancer patients shouldn’t be responsible for out-of-pocket costs. Published May 23, 2023. Accessed May 15, 2024. https://www.statnews.com/2023/05/23/financial-toxicity-cancer-costs-cost-sharing/.
Cancer insurance is also known as Specified Disease insurance in some states.
Coverage underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Cancer/Specified-Disease: 72200: In Delaware, Policy A72200. In Idaho, Policy A72200ID. In Oklahoma, Policy A72200OK. In Virginia, Policy A72200VA. 75000: In Virginia, policies A75100VA–A75300VA. B7000: In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK.
Coverage underwritten by Tier One Insurance Company. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).
In Arkansas, Policy T70000ARR. In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Oregon, Policy T70000OR. In Pennsylvania, Policies T70000PA, T7000GPA. In Texas, Policy T70000TX. In Virginia, policies T70000VA & T70000GVA.
Cancer insurance is also known as specified disease insurance in some states. This is a brief product overview only. Coverage may not be available in all states including but not limited to DE, ID, NJ, NM, NY, or VA. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
The content herein 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.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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