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Staying proactive about your health may help detect certain cancers before symptoms appear, which may improve your chances of successful treatment. So, how much does a cancer screening cost? Cancer screening costs depend on several factors, including the test type and your health insurance coverage, your provider network and follow-up care. In some cases, certain preventive screenings may be available at little to no out-of-pocket cost, depending on the type of plan you have.1 Read on to learn what factors can affect cancer screening costs and how supplemental insurance may help with your out-of-pocket expenses.
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A cancer screening test checks for signs of cancer before you symptoms appear Screenings can help detect some cancers early when they may be easier to treat. Some screenings may also identify changes that require monitoring or additional evaluation.1
Some common types of cancer screenings include:2
Screening tests are different from diagnostic tests. A screening test looks for cancer in someone without symptoms, while a diagnostic test helps find the cause of symptoms or follow up on an abnormal screening result. This distinction matters because it can affect how your provider bills the test and what your insurance will cover.1
Cancer screening costs vary depending on your insurance coverage, test type, and your plans' rules. If you need a screening that's recommended for your age, risk level and health history, you may pay little to nothing out of pocket.
Under the Affordable Care Act, many private insurers and Medicare are required to cover certain preventive cancer screenings.1 However, older health plans that were already in place before this legislation may follow different rules. In addition, Medicaid coverage can vary by state, so make sure to confirm your benefits before scheduling a screening.1
Even with insurance, you may still have some screening-related expenses if:
To help prevent billing surprises, consider asking your provider in advance whether the screening is considered preventive or diagnostic. You can also contact your insurance company to confirm what you may owe.
Don't wait until it's too late. Help cover yourself and your family with coverage from Aflac.
Get StartedEven if your primary health insurance helps cover certain cancer screenings, you may still have some screening-related expenses. For example, you may still have out-of-pocket costs related to follow-up services or other cancer-related expenses.
Supplemental cancer insurance can offer added financial support for eligible expenses, and these plans don't replace your primary health insurance. Instead, they pay cash benefits that you can use toward cancer-related expenses.
For example, Aflac's cancer insurance can provide cash benefits directly to you, unless otherwise assigned, for eligible costs. . If you receive a covered diagnosis, your policy may also help cover treatments that come along with that.
If you don't have insurance, you may still be able to find free or low-cost screenings through local health departments, hospitals, clinics or CDC-supported programs.1 Eligibility may depend on your age, income, location and risk factors.
If your cancer screening uncovers abnormal test results, ask whether the same program can help cover follow-up diagnostic care. Some programs may only cover the initial screening, while others may offer additional support or referrals.
Plan ahead for cancer-related costs with Aflac Being proactive can play an important role in preventive health care. If you want added financial support for eligible cancer-related expenses, you may wonder if cancer insurance is worth it.
Aflac's cancer insurance can provide cash benefits for cancer-related costs. Chat with an Aflac agent to learn more about our coverage options and get a quote.
Get Started
Let's dive deeper into what cancer insurance is, how it works, and what it costs so you can decide if this type of policy makes sense for your unique situation.
Cancer insurance can help you pay for cancer-related costs your health insurance doesn't cover. Learn more about whether insurance covers cancer treatments.
Let's dive deeper into what cancer insurance is, how it works, and what it costs so you can decide if this type of policy makes sense for your unique situation.
Cancer insurance can help you pay for cancer-related costs your health insurance doesn't cover. Learn more about whether insurance covers cancer treatments.
1 American Cancer Society - Costs and Insurance Coverage for Cancer Screening. Updated on November 5, 2025. https://www.cancer.org/cancer/screening/cancer-screening-costs-insurance-coverage.html. Accessed on May 29, 2026.
2 Cleveland Clinic - Cancer Screening. Updated on March 27, 2025. https://my.clevelandclinic.org/health/diagnostics/24118-cancer-screening. Accessed on May 29, 2026.
*Aflac pays cash benefits to you, unless assigned otherwise.
The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.
Cancer insurance is also known as Specified-Disease Insurance in some states.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Aflac Insurance – B70000 SERIES
In Arkansas, Policies B70100AR, B70200AR, B70300AR, B7010EPAR, B7020EPAR. In Delaware, Policies B70100DE, B70200DE & B70300DE. 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/plan level may not be available in all states including but not limited to New York or 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.
Limitations & Exclusions for the residents of Arizona:
Except as specifically provided in the Benefits section of the policy, Aflac will pay only for treatment of Cancer or Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); complications of either Cancer or an Associated Cancerous Condition; or any other disease, sickness, or incapacity.
If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed after the date the application for coverage was signed but before the Effective Date of coverage, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition, will apply only to treatment occurring after two years from the Effective Date of such person’s coverage. You may, at your option, elect to void the coverage and receive a full refund of premium.
In addition, for benefits to be payable for a recurrence, direct extension, or metastatic spread of any Cancer or Associated Cancerous Condition that was diagnosed prior to the Effective Date of coverage, the Covered Person must be free from Treatment for that Cancer or Associated Cancerous Condition for a consecutive 12-month period before the diagnosis date of the recurrence, direct extension, or metastatic spread.
The Initial Diagnosis Benefit is not payable for: (1) any Internal Cancer or Associated Cancerous Condition diagnosed or treated before the Effective Date of the policy and the subsequent recurrence, extension, or metastatic spread of such Internal Cancer or Associated Cancerous Condition; or (2) the diagnosis of Nonmelanoma Skin Cancer. Any Covered Person who has had a previous diagnosis of Internal Cancer or an Associated Cancerous Condition will NOT be eligible for an Initial Diagnosis Benefit under the policy for a recurrence, extension, or metastatic spread of that same Internal Cancer or Associated Cancerous Condition.
Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
Aflac will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions. Aflac will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under the policy; or (2) fraud is committed or attempted in connection with any matter relating to the policy.
Limitations & Exclusions for the residents of Idaho:
Except as specifically provided in the Benefits section of the policy, Aflac will pay only for treatment of Cancer, Associated Cancerous Conditions, or other conditions or diseases directly caused, complicated or aggravated by or resulting from Cancer or an Associated Cancerous Condition, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity.
The policy contains a 30-day waiting period. If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before his or her coverage has been in force 30 days, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring on or after 31 days from the Effective Date of such person’s coverage. At your option, you may elect to void the coverage and receive a full refund of premium.
The Initial Diagnosis Benefit is not payable for: (1) Internal Cancer or an Associated Cancerous Condition diagnosed during the policy's 30-day waiting period; (2) the diagnosis of Nonmelanoma Skin Cancer; or (3) claims incurred prior to the Effective Date of the policy. A claim for the Initial Diagnosis Benefit is considered incurred on the date the tissue specimen, culture, and/or titer is taken upon which the original distinct diagnosis of Internal Cancer or Associated Cancerous Condition is based.
Aflac will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
AFLAC CANCER CARE - A78000 POLICY SERIES
Limitations and Exclusions for residents of New Jersey:
We pay only for treatment of Cancer and Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered) or complications of any other disease, sickness, or incapacity. The Initial Diagnosis Benefit is not payable for the diagnosis of Nonmelanoma Skin Cancer. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment.
AFLAC PERSONAL CANCER INDEMNITY – A75000 SERIES
Limitations and Exclusions for resident of Virginia:
We pay only for treatment of Cancer, including direct extension, metastatic spread, or recurrence or any condition(s) or disease(s) directly caused or aggravated by the specified disease(s) or the treatment of the specified disease(s). Benefits are not provided for premalignant conditions; conditions with malignant potential; or any other disease, sickness, or incapacity.
The First-Occurrence Benefit is not payable for: (1) any internal Cancer diagnosed or treated before the Effective Date of the policy and the subsequent recurrence, extension, or metastatic spread of such internal Cancer that is diagnosed prior to the Effective Date of the policy; (2) the diagnosis of skin Cancer or melanomas classified as Clark's Levels I and II, or a Breslow level less than or equal to 1.5 mm. Any covered person who has had a previous diagnosis of Cancer will NOT be eligible for a First-Occurrence Benefit under the policy for a recurrence, extension, or metastatic spread of that same Cancer.
Coverage is underwritten by Tier One Insurance Company.
Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Tier One Coverage - T70000 Series
In Arkansas, Policy T70000ARR. In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Oregon, Policy T70000OR. In Pennsylvania, Policies T70000PA, T7000GPA. In Texas, Policy T70000TX. In Virginia, policies T70000VA & T70000GVA. This is a brief product overview only. Coverage may not be available in all states, including but not limited to NY or NJ. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Plans and riders may also contain a waiting period. Refer to the exact plans and riders for benefit details, definitions, limitations and exclusions. For availability and costs, please contact your local Aflac agent/producer.
Limitations & Exclusions for the residents of Arizona:
Except as specifically provided in the Benefits section of this policy, Tier One will pay only for treatment of Cancer or Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); complications of either Cancer or an Associated Cancerous Condition; or any other disease, sickness, or incapacity.
If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed after the date the application for coverage was signed but before the Effective Date of coverage, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring after two years from the Effective Date of such person’s coverage. You may, at your option, elect to void the coverage and receive a full refund of premium.
The Initial Diagnosis Benefit is not payable for: (1) any Internal Cancer or Associated Cancerous Condition diagnosed or treated before the Effective Date of this policy and the subsequent recurrence, extension, or metastatic spread of such Internal Cancer or Associated Cancerous Condition; (2) the diagnosis of Nonmelanoma Skin Cancer. Any Covered Person who has had a previous diagnosis of Internal Cancer or an Associated Cancerous Condition will NOT be eligible for an Initial Diagnosis Benefit under this policy for a recurrence, extension, or metastatic spread of that same Internal Cancer or Associated Cancerous Condition.
Tier One will not pay benefits whenever coverage provided by this policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
Tier One will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Tier One will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under this policy; or (2) fraud is committed or attempted in connection with any matter relating to this policy.
Tier One will not pay benefits if you fail to cooperate with our investigation into the validity of your claim. [We may examine any Covered Person under oath, while not in the presence of any other Covered Person and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including a Covered Person’s books and records. In the event of an examination, a Covered Person’s answers must be signed.]
Limitations & Exclusions for the residents of Idaho:
Except as specifically provided in the Benefits section of this policy, Tier One will pay only for treatment of Cancer, Associated Cancerous Conditions, or other conditions or diseases directly caused, complicated or aggravated by or resulting from Cancer or an Associated Cancerous Condition, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity.
This policy’s waiting period is shown in the Policy Schedule. If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before the end of the waiting period shown in the Policy Schedule, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring on or after 31 days from the Effective Date of such person’s coverage. At your option, you may elect to void the coverage and receive a full refund of premium.
The Initial Diagnosis Benefit is not payable for: (1) Internal Cancer or an Associated Cancerous Condition diagnosed during this policy's 30-day waiting period; (2) the diagnosis of Nonmelanoma Skin Cancer; or (3) claims incurred prior to the Effective Date of this policy. A claim for the Initial Diagnosis Benefit is considered incurred on the date the tissue specimen, culture, and/or titer is taken upon which the original distinct diagnosis of Internal Cancer or Associated Cancerous Condition is based.
Tier One will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Tier One will not pay benefits if you fail to cooperate with our investigation into the validity of your claim. [We may examine any Covered Person under oath, while not in the presence of any other Covered Person and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including a Covered Person’s books and records. In the event of an examination, a Covered Person’s answers must be signed.]
Limitations & Exclusions for the residents of Virginia:
Except as specifically provided in the Benefits section of this policy, Tier One will pay only for treatment of Cancer or Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence or any condition(s) or disease(s) directly caused or aggravated by the specified disease(s) or the treatment of the specified disease(s). Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity.
If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before after the date the application for coverage was signed but before the Effective Date of coverage, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring after twelve months from the Effective Date of such person’s coverage. You may, at your option, elect to void the coverage and receive a full refund of premium.
The Diagnosis Benefit is not payable for: (1) any Internal Cancer or Associated Cancerous Condition diagnosed or treated before the Effective Date of this policy and the subsequent recurrence, extension, or metastatic spread of such Internal Cancer or Associated Cancerous Condition; or (2) the diagnosis of Nonmelanoma Skin Cancer. Any Covered Person who has had a previous diagnosis of Internal Cancer or an Associated Cancerous Condition will NOT be eligible for an Diagnosis Benefit under this policy for a recurrence, extension, or metastatic spread of that same Internal Cancer or Associated Cancerous Condition.
This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.
Tier One will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Tier One will not pay benefits whenever fraud is committed in making a claim under this coverage, subject to the Time Limit on Certain Defenses provision.
Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
Z2600452
EXP 7/27
