Cancer Insurance: The Big Picture
According to the American Cancer Society, about 1,638,910 new cancer cases will be diagnosed in 2012, while 577,190 of those patients (more than 1500 a day) will die. (Figure A) Cancer can affect anyone, but older individuals and people with a family cancer history or lifestyle factors like smoking, diabetes or obesity are especially at risk. Types of cancer are diverse, ranging from malignant melanoma (skin cancer) to cancers of the stomach, throat, lungs, brain, liver, bone marrow or kidneys. (1)
Cancer is an expensive disease, and the initial patient costs for the first year after a cancer diagnosis are rising steadily (Figure B). Cancer treatments often involve heavy co-pays and deductibles, chemotherapy, radiation or surgery, and many of these costs (direct medical costs) are not covered by standard health insurance. (Figure C) In addition, the indirect costs of cancer (food, lodging, transportation, living modifications, alternative therapy) are high; standard health insurance does not cover any of these expenses. (2) (3)
Cancer insurance from CancerPlans.com provides a lump sum benefit upon first diagnosis of a covered cancer, allowing you to pay for medical treatments, living expenses or anything else you need. (Figure D) Quote up to 10 top-rated carriers, compare individual company brochures and apply for a cancer insurance policy online at CancerPlans.com. The one-step quote box allows you to enter basic information and receive instant results tailored to your age and location. (4)
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(1) American Cancer Society 2012 Facts and Statistics http://www.cancer.org/acs/groups/content/@epidemiologysurveilance/documents/document/acspc-031941.pdf
(2) HealthCore data presented at American Society of Clinical Oncology conference, October 2008
(3) 2007 and 2008 Cancer Facts & Figures, Insurance and Cost-Related Barriers to Cancer Care, American Cancer Society® 2008 Cancer Statistics Presentation, American Cancer Society®
(4) American General Life Insurance Company: CriticalCare Plus Client Guide 2009