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As an example, lung cancer is a common form of cancer, which averages $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 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 Insurance plans are an affordable option for all kinds of policy needs. We recommend chatting with an agent to get a more specific quote.
Everyone’s story is unique, especially when it comes to cancer treatment. Aflac provides solutions that help support the financial, physical, and emotional challenges faced by patients and their families when a cancer diagnosis is received.
Aflac can help protect a patient’s financial, physical, and emotional well-being, empowering them to seek the latest advancements in treatment protocol, while easing the financial concerns that often accompany it. Cancer treatment costs with insurance can be much more manageable with the right coverage in place.
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 policyholder5 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.6 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.
Rest assured that, if ever faced with the realities of cancer, Aflac will be there for you in your greatest time of need.
Since 1958, Aflac has been a pioneer in cancer insurance. Our passion for seeing our policyholder through this distressing time is at the very heart of who we are.
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. It may be worth considering even more 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 insurance plan can help you protect your health and finances.
Aflac Cancer Insurance can help provide financial, physical, and emotional-support solutions so you can seek the treatment and emotional support you need-before during and after diagnosis. 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 a cancer 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. 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.
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 to be 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. Rest assured that, if ever faced with the realities of cancer, Aflac will be there for you in your greatest time of need.
† 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.
