Individual health insurance is not something you consider when you are young, healthy, and in general, don’t need a lot of medical care. However, for people diagnosed with cancer at any stage of their lives, having a health insurance plan is one of the most important things to do, as it is crucial for the proper treatment of the disease.
Not to mention there are plenty of situations where cancer patients can easily buy life insurance policies at a cost close to if not equal to what an average person would pay for a policy.
Thanks to the advancements in health care technology and new cancer treatments being discovered, it is now possible to treat cancer. Three in five people with cancer are likely to survive five years or more with proper cancer treatment, and a lot of them are likely to recover completely from cancer and live a relatively normal life.
However, cancer treatment is notoriously expensive and having an insurance policy is extremely important for cancer patients. So if you are fighting cancer at the moment or have been diagnosed with it, you shouldn’t lose hope about getting an insurance policy. Even if a certain health insurance company refuses to sell you a policy due to being a cancer patient, many other companies in the United States will be more than happy to sell you their policies.
Or you can contact insurance agencies such as The Benefit Link to help you find and get an insurance policy that can meet your healthcare needs as a cancer patient.
What type of health insurance offered by health insurance companies is better for cancer patients/survivors?
In general, there are two types of health insurance you can get from health insurance companies, and these are term life insurance and whole life insurance. While term life insurance has a lower premium, it might not be available to most cancer patients, especially if you are currently battling cancer.
On the other hand, you are much more likely to get approved for whole life insurance as a cancer patient. With that being said, no matter if you get whole life insurance or term life insurance, you may have to pay higher rates for the insurance policy compared to someone without cancer. The key is to evaluate different options and get help to choose a low-cost plan that offers coverage that you need.
For example, suppose you already have a health insurance policy that does not meet your cancer treatment costs or charges you higher for the cancer treatment. In that case, you might want to consider switching to a more suitable policy for you.
What to expect when buying health insurance plans as a cancer patient?
When you are buying health insurance plansas a cancer patient, you should be ready to answer many questions about your treatment, stage of cancer, and your current health status. You may even have to provide details about your medical history, so it is best to come prepared when shopping for health insurance.
Not to mention you should also prepare a list of questions you have in your mind as well so you won’t have to contact the insurance providers over and over again. Companies may be especially interested in finding out when you will enter the final phase of cancer treatment, so make sure you provide all the information to the insurance company to make the whole process a lot smoother.
While the insurance buying process may look complicated as a cancer patient, once you overcome the hurdles, you will reap the benefits in the form of an excellent insurance policy that gives you peace of mind. Don’t be discouraged if you can’t find the right policy on your first try, as you have the resources and help available for you to make your search for affordable health insurance a lot easier.
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