• is insurance covering your treatment chemo +radiation? i have BCBS (blue cross)

    Asked by mommyNY on Tuesday, October 25, 2011

    is insurance covering your treatment chemo +radiation? i have BCBS (blue cross)

    what does it depend on

    11 Answers from the Community

    11 answers
    • grams2jc's Avatar
      grams2jc

      I also have BCBS - HMO and they covered very well. I paid my copays and that was all. However, every plan is different and I didn't have anything but the "run of the mill" treatment for breast cancer. Might have been a different story with anything really new or not what they considered appropriate

      over 2 years ago
    • Asia's Avatar
      Asia

      Hello,
      I have a different insurance company. However, your treatments should be covered and I suggest that you connect with the financial counselor associated with your oncologist. This individual will review your copay, out-of-pocket requirement, etc. God speed...

      over 2 years ago
    • mommyNY's Avatar
      mommyNY

      thanks

      over 2 years ago
    • Merianne41's Avatar
      Merianne41

      I also had Blue Cross Blue Shield and it payed most things. I also had AFLAC cancer policy that helped other things. If you have financial problems go talk to someone at the cancer center. In my case, I was taking Fosamax and they gave me a card for treatment which helps with the cost.

      over 2 years ago
    • mommyNY's Avatar
      mommyNY

      thanks, we spoke to financial at the cancer center, they basically refer to insurance company and any insurance company is very tricky i don't think they want to pay more then they should or cover certain things, so it's like a catch......
      financial stuff-is kind of general, i am not working but my husband is.....we dont' have extra money but he is working as i understand to be eligible for financial help need not to have much income....:((((

      over 2 years ago
    • lynn1950's Avatar
      lynn1950

      I have bcbs and they paid paid for everything except my coinsurance. Once I met my catastrophic limit, they paid for everything for the rest of the year. I had no problems with my coverage.

      over 2 years ago
    • mommyNY's Avatar
      mommyNY

      that sounds very nice about blue cross thanks!!!!:))))

      over 2 years ago
    • CarolLHRN's Avatar
      CarolLHRN

      You can ask for a social worker at the cancer center. They are there to help you navigate the insurance and perhaps find other programs that can help you through this time.

      Many insurance companies also offer case management services for free. A case manager is there to help you navigate the insurance world. Their job is to keep you in the insurance network to keep costs down and to make sure you have what you need to prevent complications. Although they work for the insurance company, they are patient advocates.

      over 2 years ago
    • mommyNY's Avatar
      mommyNY

      how to find case management from the insurance company? is it done before treatment or after getting the bills? i am unfamiliar with this

      over 2 years ago
    • abrub's Avatar
      abrub

      I was also going to recommend Case Management at the insurance company. Contact your insurer, and ask what support services they provide for cancer patients. My insurer (UHC) has a separate Cancer Resource Services center. When I had a problem with a provider, they assigned me a case worker, and she saw to it that I got benefits that I didn't know were available to me (like my home blood pressure cuff.)

      My insurance covered treatments without copays, except for pharmacy copays for my chemo done at home (5FU, extended pump.) That was $5/treatment. Now that I'm not in treatment, standard office visit copays apply for my follow-up visits.

      However, United HealthCare has a special program whereby if you get assigned to one of their Cancer Specialty Centers (I go to Sloan Kettering) all costs are covered at 100%. I pay copays only when I go to my home (local) onc, not when I go to MSK.

      over 2 years ago
    • pattycake's Avatar
      pattycake

      BCBS is our secondary and it has covered everything Medicare has and more.....a wig for instance....paid for a wig and will pay for supplies each year you are in treatment. We have retired Auto Workers benefits. We did have some out of pocket expenses for medicines that our plan didn't cover. Cancer may be a different category and plans may cover more, not sure, just a thought. Don't assume other people know, your plan may be different, check with the company.

      over 2 years ago

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