Reality Check, cancer is not covered by most health insurance plans, cancer insurance to the rescue

There are 1.2 million Americans from cancer each year. Most insurance companies cover does not determine the disease "or" Critical Illness ". The costs of cancer diagnosis, operation or removal and treatment of cancer are enormous for the victims and their families. I should know, several members of my family had died of cancer in the past 13 years. Get insurance cancer may lead to an alleviation of such financial constraints and gives peace to you and your family.

What many people do not know, is the regular health insurance do not cover the treatment of cancer. While some measures include some diagnostic tests for cancer, or minimal treatment, they do not have the full range of treatments for cancer. Some treatments are very expensive. Travel expenses incurred in the middle of cancer treatment are not covered by insurance.

The wife of my friend had cancer, and thank God they survived. During treatment, she had to coordinate the transport of friends, to make him one of his daily care. This has caused a lot of pressure on my friend. After this experience three years ago, I bought an insurance policy that covers cancer in my family. I pay about $ 88 dollars a month. It would have been $ 47 cheaper, but I'm the type that returns all of my bonus for me after 25 years, less money has paid claims. So, if I did not apply, I get back all my awards. I am always amazed at how the plan is robust. He has a driver who pays $ 350 per pay to me if each of us need radiation or chemotherapy. This would cover me with work or missed rent, transport costs or to make friends in a way that I need help. You should not hire friends, but you can not file one friendship in the bank does not. My plan is virtually free because it pays for my wife and I have our annual cancer screening. He pays the higher of $ 50 or actual costs. Although I am a member of an HMO, I just get the itemized statement and send the application form. Since this is supplemental insurance I receive the payment, although I do not pay for the test.

Cancer insurance is a supplement to health insurance to ensure that the processing and incidental expenses are covered, should the disease occur. The coverage of such insurance can include:

• exception handling during an inpatient from the fact that one patient. This includes radiation therapy, chemotherapy, medication, etc.
• Transport and accommodation costs, where the tumor from the city. The payment of travel expenses for specialists may also be part of reporting.
• Ambulance or Air Ambulance Service as required by the victim.
• full-time care facility and if the treatment is far from the residence of the victim.
• Reconstruction and the prosthesis can be a part of the insurance.
• Special diagnostic tests necessary to determine the type of cancer can be covered by the plan.

As mentioned above, deals with the assurance of cancer services and treatment that are specific to cancer. The price for this insurance may surprise you, it is very reasonable. The price depends on what included in the plan. Choose an insurance cancer should be taken with caution and should not be with what is included in your regular health insurance redundant.