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Consumer Tips | Print |

 

Before shopping for cancer insurance:

  • Find out what coverages are available under your present health care policy if you are diagnosed with cancer.
  • If you do not presently have comprehensive health insurance coverage, consider obtaining that coverage.
  • If you are on Medicare, consider purchasing a Medicare supplement policy.
  • If you are on Medicaid, you may not need any other health insurance.

If you decide to consider cancer insurance, shop around for the policy that best meets your needs at the most affordable premium rate.

When shopping for cancer insurance:

  • Verify that the agent and company you choose to do business with are licensed in your state.
  • Find out what is covered and what is not covered by the policy. For example: hospital stays, prescriptions and medicine, surgery, doctors' visits, radiation and chemotherapy treatment.
  • Ask if there is coverage for related medical problems, such as infections, diabetes and pneumonia that can result from cancer or the treatment of cancer.
  • Find out if the insured’s travel expenses covered? Will travel expenses of a companion be covered.
  • Ask if the benefits provided by your other health insurance policies be reduced or impacted.

Make sure you fully understand any policy you are considering and that you are comfortable with the company, agent and product.

If you decide to purchase cancer insurance:

  • Do not sign an insurance application until you review it carefully to be sure all of your answers are complete and accurate.
  • DO NOT PAY CASH. When you purchase a policy, make your check or money order payable to the insurance company, NOT THE AGENT. Be sure to get a receipt.
  • READ YOUR POLICY and keep it in a safe and secure place.
  • Ask a family member or trusted friend to review the policy. Sometimes, another pair of eyes can be of great assistance in spotting items for further questioning.
  • Keep in mind that you have a 10-day “free look” period, in case you decide that you do not want the policy. If you cancel during the free look period, the company must return your premium without penalty.

Make sure that all claim forms are filled out promptly, completely and accurately.
 

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