I don't understand why

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I don't understand why

by moonchild53 on Thu Jul 19, 2012 05:47 PM

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I don't understand why more people don't have cancer insurance. When my spouse was diagnosed, we had a cancer policy that made a HUGE positive difference in our lives and battles with cancer. It is so inexpensive and the chances that a person or a family will need it is so big that I just don't understand why everyone doesn't have it. People buy insurance for so many other purposes that are less likely to occur and less important in the grand sceme of things. I guess people are just in denial about cancer and how common and real and costly it is until they are forced to deal with it. I am so sad and tired of hearing so many stories about the problems people have fighting cancer because of a lack of funds and the additional financial stress. I just don't get it. Does anybody else have any thoughts they care to share about this?

RE: I don't understand why

by Ladylacy on Thu Jul 19, 2012 07:06 PM

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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.

 

RE: I don't understand why

by moonchild53 on Sun Jul 22, 2012 06:25 PM

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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.

 

RE: I don't understand why

by JackieJo on Sun Jul 22, 2012 08:45 PM

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I work in the medical field and never knew that cancer insurance existed until I read your post!!! Evidently this is something that is not made public...at least here in CT. I will definitely check into it. My 58 yr old husband passed away from cancer, after a 9 month battle, a year ago yesterday...July 21, 2011. The medical bills are phenominal but still no one has ever mentioned Cancer Insurance to me. Can you tell me how to go about getting it on my own? Since my husbands death I have had to cut back to working 3 days a week. Mentally I can't work full time right now. I agree with you...this is definitely something every one should have! Cancer is on the rise and because of working in the medical field I am very aware of just how many people are getting this evil disease and dying from it.  Thank you for making me aware of this. God Bless you!!

Love and Prayers

JackieJo

RE: I don't understand why

by WilliamZ on Mon Jul 23, 2012 12:09 AM

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I had no idea that this type of insurance even existed... Now I can't even get life insurance for my wife, who was diagnosed with cancer.

RE: I don't understand why

by moonchild53 on Mon Jul 23, 2012 06:35 PM

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On Jul 22, 2012 8:45 PM JackieJo wrote:

I work in the medical field and never knew that cancer insurance existed until I read your post!!! Evidently this is something that is not made public...at least here in CT. I will definitely check into it. My 58 yr old husband passed away from cancer, after a 9 month battle, a year ago yesterday...July 21, 2011. The medical bills are phenominal but still no one has ever mentioned Cancer Insurance to me. Can you tell me how to go about getting it on my own? Since my husbands death I have had to cut back to working 3 days a week. Mentally I can't work full time right now. I agree with you...this is definitely something every one should have! Cancer is on the rise and because of working in the medical field I am very aware of just how many people are getting this evil disease and dying from it.  Thank you for making me aware of this. God Bless you!!

Love and Prayers

JackieJo

I also work in the medical field and lost my spouse and eight other family members to cancer. And yes, I can give you information about how to get cancer insurance on your own and will reply to you privately with details.

Please accept my most sincere sympathy for your profound loss and grief.

moonchild53

RE: I don't understand why

by moonchild53 on Mon Jul 23, 2012 06:44 PM

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On Jul 23, 2012 12:09 AM WilliamZ wrote:

I had no idea that this type of insurance even existed... Now I can't even get life insurance for my wife, who was diagnosed with cancer.

If you wish, I can send on to you information resources for cancer insurance for you and life insurance resources for people cancer, such as you wife. Just let me know if you are interested.

RE: I don't understand why

by Dlynn1210 on Mon Jul 23, 2012 06:52 PM

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On Jul 22, 2012 8:45 PM JackieJo wrote:

I work in the medical field and never knew that cancer insurance existed until I read your post!!! Evidently this is something that is not made public...at least here in CT. I will definitely check into it. My 58 yr old husband passed away from cancer, after a 9 month battle, a year ago yesterday...July 21, 2011. The medical bills are phenominal but still no one has ever mentioned Cancer Insurance to me. Can you tell me how to go about getting it on my own? Since my husbands death I have had to cut back to working 3 days a week. Mentally I can't work full time right now. I agree with you...this is definitely something every one should have! Cancer is on the rise and because of working in the medical field I am very aware of just how many people are getting this evil disease and dying from it.  Thank you for making me aware of this. God Bless you!!

Love and Prayers

JackieJo

I have long heard about cancer insurance and that insurance that specifically targeted any one disease was not worthwhile to have.  It is not meant to replace existing insurance but to complement it.  I round this website that at first glance states the important things that I have heard about.  Another thing to note is it does not cover anyone who has had a pre-exisiting diagnosis of cancer.

Diana 

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