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While we hope you never have to receive a cancer diagnosis, they are common. According to the Center for Disease control, cancer was the second largest cause of death in the United States in 2020.1 In addition to the number of cases growing, costs are also skyrocketing. Cancer treatment without insurance could be financially destabilizing.
Having a standard health insurance plan may cover some of the costs, but there can still be large sums expected to be paid out-of-pocket. Co-pays, travel, lodgings and home health service costs can add up fast – which is why having a cancer insurance policy is worth it.
Aflac Cancer Insurance helps you with unexpected expenses following a covered cancer diagnosis, so you can focus on getting better. Our lump-sum cash benefits can be used however you see fit, whether it be for medication, transportation, treatments or everyday bills.
Explore our plans.
Aflac’s cancer insurance is a kind of supplemental plan that helps cover a wide variety of expenses that your primary insurance plan may not completely cover. Our plan works with your existing health insurance to help pay for hospitalizations, surgeries, mental health services, radiation and chemotherapy treatments.
Benefits may also help pay for hormone therapy, immunotherapy, stem cell and bone marrow transplantation, reconstructive surgery, egg harvesting and common cancer screenings. It’s crucial that you get a cancer insurance plan before a diagnosis occurs to receive coverage.
Some cancer treatments are more expensive than others, but they almost always come with considerable fees. Cancer costs can range depending on the stage and location of the disease.
The National Cancer Institute found the average cost of medical care and drugs to be over $42,000 in the year after a cancer diagnosis.2 Supplemental cancer insurance can help protect your income from the out-of-pocket expenses that may still arise with a primary insurance plan.
Also, receiving cancer treatment without insurance can add emotional stress on top of the physical stress your body is already enduring. For example, getting a breast cancer screening with no insurance may be costly, and the results could cause emotional disturbance. Mental health services like therapy and support groups may also be beneficial during this time, and cost money.
It’s not uncommon for cancer patients to have a hard time paying medical bills, let alone everyday bills like groceries and utilities. Our cancer insurance pays out lump-sum cash benefits upon a covered claim that you can use however you see fit – whether it be for lost wages or paying rent.
Having cancer without health insurance can be stressful, but having primary and supplemental cancer insurance can help protect your savings and emotional well-being.
Having cancer without insurance can be risky. Below are some of the factors you may want to consider when deciding if you need supplemental cancer insurance:
Getting tested for cancer without insurance can start the journey in a stressful place. Getting Aflac Cancer Insurance before a diagnosis takes place is crucial to receive coverage. These are all things to consider when deciding whether to apply for supplemental cancer insurance.
The cost of a supplemental cancer insurance plan may be worth it because it can save you money in the long term if you are diagnosed with a covered cancer. It may be challenging to pay for cancer treatments entirely out-of-pocket.
For instance, let’s review how much a cancer screening costs without insurance. Breast cancer screenings can cost hundreds of dollars, depending on what part of the country you reside in.3 Costs can escalate with office visit fees, diagnostic procedures and treatments. Even more daunting, chemotherapy can cost anywhere from $10,000 to $200,000 without insurance.4
There are a few cases where having cancer insurance is particularly worth it:
We hope you never find yourself in a position where you have cancer and no form of support. Aflac Cancer Insurance can help pay for various costs associated with covered cancer treatments that your primary insurance may not cover. From preventative care to ongoing support, we create affordable and detailed plans to meet your needs best.
Explore your cancer insurance options.
1 CDC - Cancer Deaths in the United States. Updated Feb 28, 2022. Accessed Oct. 14, 2022. https://www.cdc.gov/cancer/dcpc/research/update-on-cancer-deaths/index.htm#.
2 NPR - Cancer Costs. Updated July 9, 2022. Accessed Oct. 14, 2022. https://www.npr.org/sections/health-shots/2022/07/09/1110370391/cost-cancer-treatment-medical-debt#.
3 VeryWell Health - Where to Find Low-Cost or Free Mammograms. Updated Mar 14, 2022. Accessed Oct. 14, 2022. https://www.verywellhealth.com/find-free-or-low-cost-mammograms-429861#:.
4 Healthline - Chemotherapy Cost. Updated Apr 1, 2021. Accessed Oct. 14, 2022. https://www.healthline.com/health/cancer/chemotherapy-cost.
Cancer insurance is also known as Specified-Disease Insurance in some states.
AFLAC CANCER PROTECTION ASSURANCE – B70000 SERIES
In Arkansas, Policies B70100AR, B70200AR, B70300AR, B7010EPAR, B7020EPAR. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. In Oregon, Policies B70100OR, B70200OR, B70300OR, B7010EPOR, B7020EPOR. In Texas, Policies B70100TX, B70200TX, B70300TX, B7010EPTX, B7020EPTX. This is a brief product overview only. Coverage may not be available in all states including but not limited to New Jersey, & Virginia. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.