Cancer and Health Insurance


Do you have a history of cancer in your family, or have you, a spouse or your child been diagnosed with cancer? It can be a frightening prospect with which to deal. In any of those scenarios, your first thoughts after your health and the health of your loved ones are about health insurance. Understandably in the cases where there is a positive diagnosis, a high level of anxiety may settle in and paralyze you with fear.  What does your insurance cover? Can you get insurance after being diagnosed with cancer? All of these are pressing questions, so let’s take a look at cancer and health insurance.

Get it Before it Gets You

Prevention is always the best step when it comes to cancer. If there is a high instance of cancer in your family, consult with your doctor. Lifestyle changes may be recommended, such as quitting smoking or cutting out sugar. Along with prevention if you are likely to get cancer, purchasing cancer insurance can save you and your family a lot of money down the road. As any cancer survivor knows, or the loved one of someone who had cancer, it is a long, arduous road to recovery. Chemotherapy, radiation, hepatization, office visits and a number of other costs can pile up fast. Cancer insurance can help to reduce those cost above and beyond what your normal health insurance covers. In addition, some cancer insurance plans will cover cancer screenings such a PET scans, biopsies, and colonoscopies. It is wise if several members of your immediate family have had cancer to purchase cancer insurance. It can save money for you or your loved ones if you don’t make it.

Most cancer insurance plans pay a lump sum if you are diagnosed with cancer meant to supplement what your standard health insurance does not cover. In the event, you do not survive the money can be used to pay for outstanding treatment costs and funeral expenses.

Does My Health Insurance Cover Cancer?

If you are diagnosed with cancer, the first thing you will want to do is to see if and what your health insurance covers. You will also need to see what type of cancer is covered your plan may cover the most common types of cancer, but not rare cancers such as Ewing’s Sarcoma which is a rare but aggressive childhood cancer. If you are at high risk for cancer, that means your child is as well. If your insurance does not cover childhood cancers, you may want to consider purchasing cancer insurance for not only yourself but your children as well.  Most types of cancer covered by standard health insurance after the Affordable Care Act was passed, but you should check to see what and how much is covered. The good news is if you are diagnosed with cancer and don’t have health insurance, you can’t be denied because it is a pre-existing condition as it was before 2012.

How Do I Know What Insurance Plan is Best?

If you are at high risk of getting cancer, or have recently been diagnosed with it, discuss things with your doctor. What stage cancer you have plus its aggressiveness will determine what your needs will be. Next, speak to your insurance agent or human resources manager at your company to discuss what types of insurance plans are available to you.

To Sum Up

Cancer is a terrifying disease that can tear families apart and leave a trail of debt.  But remember, if caught early, those who contract cancer have a high rate of survival and having the right insurance means you won’t have to worry about costs after you recover.


Medical insurance isn’t an easy issue for small business owners, but you can usually find a solution with a little searching. Take good care of yourself, your business, and your employees; see what you can do to offer affordable healthcare to your workers.

If you have any questions are in need of health insurance for your employees, contact us and we will be happy to assist you.