The reality is that often financial barriers delay treatment, and for a condition as serious as cancer it can mean the difference between life and death. Families affected by cancer shouldn’t have to make difficult decisions between medical procedures or treatments and making ends meet.
I have ovarian cancer and have gone through one surgery already. They want to do another surgery and then chemo. My husband has a major medical insurance policy and I am self-employed. I own a barber shop and am not able to work. My income helped so much, and then suddenly — no income.
I applied for my Aflac cancer insurance policy around eight years ago. I cannot begin to tell you how much it has helped us. When we got our benefit check we were struggling financially.
The check really helped us. It took a lot of stress off of us. And the check came so quickly. Even though I am sick we celebrated, at home of course, with money that we could go and buy food and catch up our bills.
Thank you so much! We don’t know what we would have done without you! Thank you from the bottom of our hearts.
Yet this is the case for a growing number of consumers who are facing high out-of-pocket expenses, despite having comprehensive major medical insurance.
In addition, major medical insurance often contain annual and lifetime benefit caps, particularly in the non-group insurance market. Because cancer treatment is costly and long-term, cancer patients are more likely to hit these benefit caps, leaving them essentially uninsured.
Voluntary cancer insurance policies can help with the treatment costs of cancer, but more importantly will also help you focus on getting well instead of being distracted by the stress and costs of medical and personal bills.
The American Cancer Society estimated about 1,638,910 new cases of cancer to be diagnosed in the last year.4 No one wants to think about cancer, but it is necessary to consider how you would manage if you were diagnosed and unable to work. A voluntary cancer insurance policy could make a difference to your well-being, your family, and your future.
To learn more about how voluntary cancer insurance plans can benefit you or your employees, visit aflac.com/cancerplan.
To see how much an accident or illness can cost even if you or your employee has major medical insurance, go to Aflac.com/RealCost.