Scripture of the Day:
Jeremiah 29: 11
For I know I have plans for you, declares the Lord, plans to prosper you and not to harm you, plans to give you hope and a future.
Managing the Cost
I can tell you that cancer is costly like it states in the first sentence of the article. One chemo-therapy treatment is $30,000.00. If you don't have prescription insurance, the monthly prescription for the daily pill I had to take for 5 years is $712.00. I was so blessed with my insurance. The cost to me was very minimal. I also had cancer insurance that I bought in 1992. I bought it because I was a smoker. I fully expected to be diagnosed with lung cancer one day. It was a foresight that I am very thankful for. It paid cash directly to me, not my doctor. If you think you're at risk for some type of cancer and can afford that extra insurance, you may want to consider it.
God was definately watching over me when my diagnosis came along. I would have never believed how beneficial my insurances were and can't tell you why we maintained them even during the lean times.
The link to the article is at the end. I hope this is helpful. Cancer patients don't need the extra stress of worrying about paying for the treatment.
Managing the Costs of Your Cancer Treatment
Cancer is costly. It can take a toll on your health, your emotions, your time, your relationships – and your wallet. There will be unexpected charges, and even the best health insurance won’t cover all your costs. Here are some tips on what costs you can expect and some ideas on how to plan for, ask about, and discuss treatment costs with your cancer care team. Don’t wait until you have financial problems to discuss cancer costs with your health care team.
You might feel as if you don’t have the energy to deal with cancer and talk about money, too. You might want to ask a friend or family member to keep track of costs for you. Ask this person to go with you to doctor visits and help with these discussions.
Planning for treatment
Learn as much as you can about cancer and your cancer treatment before it starts. This will help you know what to expect. It can also help you plan for and deal with the costs. Many people with cancer have medical expenses for things like:
What to ask about costs of cancer treatment
Talk with the people on your cancer team. They’ll usually know who can help you find answers. Here are some questions you can ask about costs. Choose the ones that relate to you and your treatment.
The overall treatment plan
Here are some ideas for ways to bring up the subject of cost as your treatment is planned:
Some related or follow-up questions you might want to ask:
Prescription drugs
Oral chemotherapy
Today, more and more chemo drugs are taken by mouth. (This is often called oral chemo, and includes drugs known as targeted therapy.) In most cases, this means you get a prescription and take the drugs on your own, at home.
Chemo taken by mouth is as strong as the other forms and, when taken properly, works just as well. But oral chemo drugs cost a lot – sometimes many thousands of dollars each month. And most health insurance plans don’t pay for the oral drugs the same way they pay for the IV drugs (those put into a vein in the hospital, clinic, or office).
Oral chemo drugs are often treated like regular prescription drugs. You have to pay for them and, even if your insurance covers them, you might have a very high co-pay. For example, some insurance companies require a co-pay of 25% of the drug cost. This can be thousands of dollars. And this isn’t a bill that you can pay later – you have to pay when you pick up the drug at the pharmacy.
Make sure you know how much you’ll have to pay for each treatment. Many drug manufacturers have patient assistance plans to help people pay for their drugs. Ask your cancer care team about this.
Please see If You Have Problems Paying a Medical Bill or call us to learn more about this.
Other prescription drugs used with cancer treatment
Many kinds of drugs are used to treat cancer. These may be drugs to prevent nausea, treat pain, help with anxiety, or control diarrhea. Drug prices vary a lot. You (or a family member) may want to call different pharmacies to get an idea of where you can get the best price.
When your doctor prescribes medicines or outpatient care, here are some questions you may want to ask:
Hospital, surgery, and clinic treatments
If you must have surgery, chemo, radiation, or will be in the hospital for part of your treatment, here are some questions you might want to ask:
Health insurance
Out-of-pocket costs are costs you have to pay because your health insurance doesn’t. They can add up quickly and may make it hard for you to pay for other things you need.
You’ll want to be sure that your health insurance company pays or reimburses the bulk of your medical expenses. This means you’ll need to
If any of your treatments might be done by out-of-network doctors or providers, find out about those costs, too. Even when you know the terms of your policy, getting payments can mean re-submitting claims, appealing denials, and much more.
Usually, doctors’ offices and clinics have someone who handles health insurance concerns and problems. Ask your doctor if that person can help you with claims and codes on the bills that are sent to the insurance company.
You can find out more about health insurance and other costs at Understanding Health Insurance.
Our health insurance experts are also available to answer your questions 24 hours a day, 7 days a week. You can reach one of them by calling 1-800-227-2345.
More information from your American Cancer Society
We have a lot more information that you might find helpful. Explore www.cancer.org or call our National Cancer Information Center toll-free number, 1-800-227-2345. We’re here to help you any time, day or night.
National organizations and websites*
American Society of Clinical Oncology (ASCO)
Web site: www.cancer.net
Web site: www.cancer.net
Patient Access Network Foundation (PANF)
Toll-free number: 1-866-316-7263
Web site: www.panfoundation.org
Toll-free number: 1-866-316-7263
Web site: www.panfoundation.org
*Inclusion on this list does not imply endorsement by the American Cancer Society.
References
American Society of Clinical Oncology. Managing the Cost of Cancer Care. Accessed at www.cancersupportcommunity.org/MainMenu/About-Cancer/Understanding-Cancer/Coping-with-the-Cost-of-Care/Where-do-I-begin.html on October 30, 2015.
Bestvina CM, Zullig LL, Yousuf Zafar S. The implications of out-of-pocket cost of cancer treatment in the USA: a critical appraisal of the literature. Future Oncol. 2014;10(14):2189-2199.
Bullock AJ, Hofstatter EW, Yushak ML, Buss MK. Understanding patients’ attitudes toward communication about the cost of cancer care. J Oncol Pract. 2012;8(4):e50-58.
Cancer Support Community. Frankly Speaking About Cancer: Coping with the Cost of Care, 5th edition. Accessed at www.cancersupportcommunity.org/General-Documents-Category/Education/FSAC-Coping-with-the-Cost-of-Care.pdf on October 30, 2015.
Peppercorn J. The financial burden of cancer care: do patients in the US know what to expect? Expert Rev Pharmacoecon Outcomes Res. 2014;14(6):835-842.
Tangka FK, Trogdon JG, Richardson LC, et al. Cancer treatment cost in the United States: has the burden shifted over time? Cancer. 2010;116(14):3477-3484.
Ubel PA, Abernethy AP, Zafar SY. Full Disclosure – Out-of-Pocket Costs as Side Effects. N Engl J Med. 2013;369(16):1484-1486.
Last Medical Review: 11/15/2015
Last Revised: 11/15/2015
Please go to my prayer list page and add these cancer patients to your prayer list. The power of prayer is amazing and I've seen it work.
If you are making this journey as I am, may God bless you with His healing touch. I know He loves you.
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