• Did insurance cover any costs related to your cancer treatment?

    Asked by Nancebeth on Tuesday, December 18, 2012

    Did insurance cover any costs related to your cancer treatment?

    21 Answers from the Community

    21 answers
    • lynn1950's Avatar
      lynn1950

      I am not sure what you are asking. Once we met our catastrophic, insurance covered all our medical bills. I have heard of people having supplemental cancer insurance. That covered all their costs with no pay outs on the part of the patient. My insurance didn't cover travel, or extra costs like that.

      almost 5 years ago
    • Julie99's Avatar
      Julie99

      At this point, everything minus my co-pays have been covered. Office visits with the doctor are $25. Day surgery is $250 and the bilateral mastectomy will be $500, plus all of the prescription co-pays. All of my doctors & hospitals have been in-network. Other than a 2nd round of IVF for fertility preservation initially being denied (the fertility doctor called my insurance and got it approved), I have had no other insurance issues.

      almost 5 years ago
    • Queen_Tatiana's Avatar
      Queen_Tatiana

      Other than the co-pay, $15, at the various Dr. offices insurance has covered everything my husband has needed.

      almost 5 years ago
    • gwendolyn's Avatar
      gwendolyn

      Massachusetts has favorable laws that force insurers to pay for every aspect of cancer treatment. I can't imagine dealing with the financial issues while dealing with the physical ones. My heart goes out to people that have to.

      almost 5 years ago
    • BuckeyeShelby's Avatar
      BuckeyeShelby

      Once I met my plan deductible and out-of-pocket max, everything else has been covered at 100%. If you have general questions, I work for the TPA that pays the medical bills (another company prices the claims for us), so I have some knowledge as to how med insurance works. Of course, my answer could be call you insurance and don't let them be mean to you. I audit the customer service calls for my company, so I KNOW when CS reps are being mean!

      almost 5 years ago
    • Nancebeth's Avatar
      Nancebeth

      I have an HRA and I had to meet deductibles and then I had a maximum out of pocket which I met during my first hospital stay (bill was 135K). But I did have to fight my insurance company to pay for my Oncotype DX testing and some other stuff. They covered my prosthetic nipples though which was nice :-)

      almost 5 years ago
    • nancyjac's Avatar
      nancyjac

      Yes pretty much all of them. I had a couple of tests/scans that my secondary insurance considered "experimental" and would not pay the co-insurance from my primary insurance, but I think overall I didn't go out of pocket more than $200 for medical expenses. Of course there were some ancillary expenses that insurance doesn't cover, like head coverings, travel expenses, OTC meds and supplements, etc. but in the grand scheme of things, they weren't much.

      almost 5 years ago
    • ticklingcancer's Avatar
      ticklingcancer

      I'm with you Nancebeth, I had dedcuctibles and a out of pocket max I had to hit first. Which I hit with no problem...I'll be paying on that stuff for a while...

      almost 5 years ago
    • karen1956's Avatar
      karen1956

      Some treatments had a co-pay and some I had to meet the deductible...so yes, my insurance paid for much of the Dx and Tx....

      almost 5 years ago
    • GregP_WN's Avatar
      GregP_WN

      Most of you guys I envy. After my cancer treatments 24 years ago, my insurance carrier at that time started raising my premiums every year, finally making it so expensive that I couldn't afford it. I had to drop it. Then I had no ins for a few years. Then my State came up with a program that uninsurables and disabled could get ins. coverage through the state. That lasted a few years until the thieves milked the system and the state cancelled it. So, I had no insurance again. All this time I was in good health, but since I had cancer twice before I had the "SCARLET C" on me and no one wanted to cover me. Finally a guy walks in my office and says he can cover me as long as its more than 10 years since any treatment. It had been, I took the policy, it went into effect on July7 of 08. In OCT of 08 I was diagnosed for the 3rd time. I knew they were not going to pay, and held my breath until the first bill came. It took them about 6 months but they started paying. Only problem was that the coverage sucked, payed about half of the bills. Left me with about 50K in unpaid bills, and counting. But still, they paid something and I was taken into one of the finest cancer research hospitals in the US, NO ins. and maybe not.

      almost 5 years ago
    • SueRae1's Avatar
      SueRae1

      They pay for my treatments, tests, scans, and doctor appointments, as well as part of the cost of my prescriptions (magic mouth wash, nupergen,etc)

      almost 5 years ago
    • abrub's Avatar
      abrub

      Of significance to people in many of the United HealthCare plans (tho not all of them.) They have a program called "Cancer Resource Services" whereby if they deem you qualify and choose to go to one of their designated Cancer Centers of Excellence, they cover ALL costs. And if the cancer center is more than 100 miles from home, they will pay transportation and travel expenses (meals, taxis, hotels) for you and a caregiver (per diem limits apply for all but travel expenses).

      I have been fortunate to participate in that plan at Memorial Sloan Kettering (200 miles from home.) Every time I go back for an appointment, my expenses are covered, and when I was there for a month-long stay, they covered my husband's transport to come back and forth from home as needed (to maintain our business.) They also covered his meals, and would have covered his hotel, but he stayed with family (or with me.)

      As a result of this, my out of pocket expenses have been minimal (but I see what the providers have billed my insurance - upwards of $750,000 so far!)

      If your insurance is under the UHC umbrella (I believe PacificCare is, among others) ask about this program. It can save both your life and your wallet. (Note - I know that Oxford Health Plans, while part of UHC, does not offer Cancer Resource Services. I'm trying to find out why.)

      almost 5 years ago
    • Harry's Avatar
      Harry

      Mine have been covered so far. There's a big deductible that I have to meet every year. And, I worry about what happens in the future.

      almost 5 years ago
    • Harry's Avatar
      Harry

      Mine have been covered so far. There's a big deductible that I have to meet every year. And, I worry about what happens in the future.

      almost 5 years ago
    • Nonnie917's Avatar
      Nonnie917

      I have GHC so it did pay for most of my cancer surgeries. It is a law that insurance companies have to pay for any cancer related surgery. My reconstruction surgeries are going to be paid for, but I still have out of pocket expenses, but they cannot go over $1100 because I am on a Medicare Advantage plan and Medicare rules are the patient only pays $1100 out of pocket it doesn't matter how big the bill is. So far I have over $150,000 in medical bills with doctors and hospital expenses. The doctors I do have to pay my co-pay which with all the different doctors I have had to see those costs total around $4000. Hard when you are on a fixed income. Selling my car to get the bills paid so all will be well soon.

      over 4 years ago
    • fastdog's Avatar
      fastdog

      I'm on Medicare with a really good supplemental Blue Cross plan. HIPEC surgery, chemo, etc. etc. etc. (lots of etc's) have all been completely covered. I see the copies of the bills, and they are staggering. So I consider myself very fortunate.

      over 4 years ago
    • HeidiJo's Avatar
      HeidiJo

      My insurance covered all but my co-pays

      over 4 years ago
    • critterbug192's Avatar
      critterbug192

      Mine only paid $1000 of the outpatient costs which most of my treatment was. They took care of more when I was in the hospital for Neutropenic Fever due to Chemo but the rest I had to fight for almost a year in order to get help from the government because I had worked right up to when I started treatments and still haven't been able to return!

      over 4 years ago
    • Nomadicme's Avatar
      Nomadicme

      I had an hmo. They did OncoDx after it wasn't necessary (I was freaked out about the possibility of ovarian cancer). They would Not cover a second opinion outside their network which I now wish I had (

      over 4 years ago
    • Nomadicme's Avatar
      Nomadicme

      I got ACTH when tch is just fine for chemo (newly published study). Could have spared me going into menopause earlier.
      My wig was not covered. My understanding is sometimes they're covered under prosthetic devices, but even then there's a limit (although someone in my Look Good class had a 4K wig covered by insurance)

      over 4 years ago
    • Onoi11's Avatar
      Onoi11

      I am on Medicare with an excellent supplemental plan. To date, all my costs have been fully covered with the exception of my frequent trips to and from doctor's appointments. I feel fortunate, I think that our med. system in the US is becoming more compassionate while sifting out the waste in middleman costs.

      over 4 years ago

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