Cancer Plans

Cancer plans are insurance policies that supplement your current health plan to help cover the cost of hospital stays, chemotherapy, and other types of cancer treatment.

This is not comprehensive health insurance, just a supplemental plan.

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What cancer plans cover

Depending on the type of cancer plan you are diagnosed with, your plan might cover copays, child care, deductibles, lost wages, travel costs, or the excess costs of treatment when your regular health care policy benefits are exhausted. 

It generally provides some type of benefit for these services: 

  • Hospital room and board
  • Physician treatment
  • Surgery 
  • X-rays
  • Radiation
  • Chemotherapy

Your plan’s offering may have different benefits, so be sure to ask one of our licensed agents.

Your plan may also provide your benefit in a lump sum payment when you receive a cancer diagnosis.

Types of cancer plans

Generally, there are three types of plans: 

  • Expense incurred policy – Pays a percentage of covered treatments up to policy limits.
  • Indemnity policy – Pays a specific dollar amount for each covered item.
  • First diagnosis or first occurrence cancer policy – Pays a lump sum payment upon the first diagnosis of cancer.

Who is eligible?

To be eligible for cancer insurance, you can’t have a pre-existing condition that is believed to lead to cancer. 

Also, people who have previously been diagnosed and treated for cancer are ineligible.