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The average cost of lung cancer is $166,451.2
After major medical coverage, you could still owe $66,580 in out-of-pocket medical expenses not covered by your insurance.3
| Medical Expenses | $166,451 | |
| Avg. Insurance Coverage | 60% | |
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| Remaining Expenses* | $66,580 | |
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| Aflac Supplemental Coverage: | ||
| Accident | up to $0 | |
| Hospital | up to $0 | |
| Short-Term Disability | up to $0 | |
| Critical Care & Recovery | up to $0 | |
| Cancer/Specified-Disease | up to $0 |
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| Aflac pays you: | $0 | |
When cancer or a specified-disease strikes, the last thing you and your family should have to think about is the cost—the priority should be recovery. Cancer treatments and procedures can quickly add up, making cancer insurance costs worth it.
The cost of cancer insurance is impacted by your age, location and your ideal benefits, but Aflac’s Cancer/Specified-Disease Insurance plans are an affordable option for all kinds of policy needs. We recommend chatting with an agent to get a more specific quote.
Not every cancer diagnosis is the same, which means treatments and procedures vary across the board. While one breast cancer diagnosis may require a mastectomy, another may need radiation.
Cancer treatment costs with insurance can be much more manageable with a good policy in place.
Now that you have a better idea of how much Aflac Cancer insurance is, let’s discuss how exactly it works. Supplemental cancer insurance benefits are designed to help cover expenses that traditional insurance may not cover. Aflac cancer insurance doesn't just help with medical expenses, but the cash benefits can also help you with everyday costs.
With our cancer insurance, cash is delivered straight to the policyholder6 rather than going through a doctor or hospital first. You can use these benefits to help pay for your mortgage payments, electricity bills or medication refills—it’s completely up to you. Taking a look at your current expenses can help you determine how much coverage you would need if you are diagnosed with cancer.
For example, let’s say you notice a darker bump on your nose, and you make an appointment with a dermatologist. Your doctor decides it’s worth a closer look, so they do a skin cancer screening and biopsy. The results are back, and they recommend chemotherapy to treat the advanced skin cancer diagnosis.7 If you have an Aflac cancer policy, you can then file your covered claim to receive cash benefits. You can use the payment to help cover the screening, surgery, or to help with your utility bills—you decide.
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
Paying for cancer treatments entirely out-of-pocket without insurance may be a taxing responsibility to do on your own. Even with the help of your primary insurance provider, costs can remain high. Having a supplemental cancer insurance policy on your side may be the type of support you need. More specifically, Aflac Cancer Insurance can be worth it if you fall into a few categories:
If you are not financially prepared, having cancer insurance can help provide peace of mind and support in the event of a covered diagnosis.
If cancer runs in your family, you should consider helping to protect yourself financially with a cancer insurance plan.
If a specified-disease runs in your family, a cancer/specified-disease insurance plan can help you protect your health and finances.
Aflac Cancer Insurance can help cover a wide variety of cancer treatments—both preventative and urgent treatments. Many Aflac cancer plans offer benefits for annual cancer screenings to help you stay on top of your health.
Your primary medical insurance may be able to help cover a lot of the costs associated with your diagnosis. However, you can still be left with large expenses expected to be paid out-of-pocket. That’s where Aflac Cancer Insurance comes in.
Aflac Cancer Insurance policies can help cover many different treatment plans. We offer different policy options with varying levels of coverage, depending on your unique needs. Benefits vary from plan to plan, so it’s important to let your Aflac agent know your situation and needs upfront before choosing which plan may be best for you.
Insurance for cancer patients has the potential to help everyone involved—including those you love. While we hope your children never receive a cancer diagnosis, there may be dependent coverage options on an existing individual plan.
Each cancer insurance option offers cash benefits that can be used however you decide. This means you can put cash toward rent, groceries or a detailed treatment plan. A few common medical procedures or treatments that Aflac can help cover are:
Cancer Screenings
Radiation Therapy, Chemotherapy, Immunotherapy or Experimental Chemotherapy
Hormonal Therapy
Stem Cell and Bone Marrow Transplantation
Blood and Plasma
Surgery/Anesthesia
Aflac offers Cancer, Critical Illness and Hospital insurance policies. Each plan offers different benefits, and it’s not uncommon for policyholders to consider more than one plan. Combined, you can explore a more supportive and holistic approach to coverage. You now know what Aflac Cancer Insurance is, but it makes sense to explore all your options.
Aflac Lump-Sum Critical Illness Insurance is for those who experience a life-changing event, like a heart attack or stroke. It offers lump-sum cash benefits that can be used however you decide – from helping with everyday bills to surgery. These plans may help provide coverage for diseases that aren’t covered by our cancer/specified disease insurance policies.
Aflac Hospital Insurance is a great option to combine with other existing insurance plans, but it is only offered through employers with premiums payable through worksite payroll deductions. Supplemental hospital insurance can help cover expenses that take place in the emergency room, like ambulance costs, x-rays and blood tests, to name a few. We recommend chatting with your company and seeing if hospital insurance coverage is an option.
It’s important to note that cancer insurance may also be known as specified-disease insurance in some locations. The specific qualifications for cancer insurance vary from state to state, but there are a few general qualifications to keep in mind.
Getting cancer insurance after a diagnosis may not be a likely situation. If you opt into group cancer insurance, you need to have been cancer-free for the last five years. If you choose to purchase Aflac Cancer Insurance individually, you must have been cancer-free for the previous ten years.
It’s not uncommon for cancer insurance plans to require some waiting period8 before benefits can be accessed. Aflac Cancer Insurance has a 30-day waiting period before benefits kick in, so it’s better to get policy ahead of time.
You can apply for Aflac Cancer Insurance through your worksite and on an individual basis. If you are a business owner, you can help your employees feel better protected by offering cancer insurance through payroll deductions. There is no direct cost to employers, as employees decide for themselves if they would like to apply or not. If you are an employee and your company does not offer this benefit, you can still apply for a cancer insurance policy individually.
We recommend chatting with an agent for complete details that can help you decide if you should apply for supplemental cancer insurance. You can also clarify which Aflac Cancer insurance option is best by determining how much coverage you may desire. Don’t wait until it’s too late—get a cancer insurance plan to help you when you need help the most.
† Katy is a real Aflac policyholder. This is her story. Your benefits from Aflac may differ. Katy was paid for her time in telling her story and is also an employee.
*The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The “Aflac Pays You” data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources for the data provided in this calculator.
