On Jul 19, 2012 7:06 PM Ladylacy wrote:
If you buy cancer insurance thru a group plan it is cheaper. But depending on your age when you buy it, a private plan is higher. We were lucky that my company offered AFLAC at a great price for our ages. My husband has been diagnosed since then with laryngeal cancer and now esophageal cancer. The policy has been a great help. But for many people, in today's times, they just don't have the extra money and many don't even have health insurance. Heck many in today's times can't even buy food, pay rent, pay utilities, even just the basic necessities of life, so cancer insurance isn't a necessity.
From my experience and research, I've found that a person or family can buy cancer insurance for about one percent of their income without the benefit of being in a group. Considering that 1 in 3 women and 1 in 2 men will be diagnosed at some time in their lives, one percent against those odds is the right thing do, one percent is not going to make any noticable difference for most of those struggling financially and if they are diagnosed, how do you think they will feel about struggling with maintaining the necessities and having cancer at the same time without the financial support of a cancer policy at such a tiny cost, especially if they had no medical insurance?
My personal experiences and observations tell me cancer insurance is a no brainer. Better to have it and not need it than need it and not have it, especially in financially challenging times. I believe most folks can manage one percent against cancer and would hate themselves for not having made that minimal sacrifice should they or their loved one be diagnosed. The financial stress of cancer to patient and family is exceeded only by the emotional stress of the disease itself for most people, in my experience.