Cancer Insurance

[Martha]

Shoe, I would check carefully to see what else this policy doesn't cover. You might not be getting much with the policy.

I would work with an independent agent/broker to see if there is any plan you can buy. If you are not insurable, I would also look at HIPAA options in your state. Health Insurance and Coverage Help for Consumers Everywhere.

 

[bluescat]

"BLuescat, what other health insurance were you carrying, and why did they not pay some or all of the charges that your cancer insurance picked up? Were they deductibles and co-pays mostly? Do you know what the AFLAC premiums were, ball park?"


I haveBC/BS and they pay 90% minus my deductable. AFLAC paid me directly. I would have to look up exactly what the benefits were, but some of it was a daily rate for my radiation therapy, a one time payment of $25 X the number of months the policy was in force, a payment for chemo injections, a drug and medicine benefit, a lab and diagnostic benefit, a hospital confinement benefit, anesthesia benefit, and possibly a couple others. As I said the family coverage was right at $25 a month for a long time but has risen to about $37 a month now.

 

[Rich_by_the_Bay]

"BLuescat, what other health insurance were you carrying, and why did they not pay some or all of the charges that your cancer insurance picked up? Were they deductibles and co-pays mostly? Do you know what the AFLAC premiums were, ball park?"


I haveBC/BS and they pay 90% minus my deductable. AFLAC paid me directly. I would have to look up exactly what the benefits were, but some of it was a daily rate for my radiation therapy, a one time payment of $25 X the number of months the policy was in force, a payment for chemo injections, a drug and medicine benefit, a lab and diagnostic benefit, a hospital confinement benefit, anesthesia benefit, and possibly a couple others. As I said the family coverage was right at $25 a month for a long time but has risen to about $37 a month now.

So some of the benefits you received from AFLAC went to compensate you for services already covered in whole or in part by BCBS.

It's a nice benefit for you, but might not be what others are looking for in a health insurance policy, except in covering true expenses not covered by BCBS, such as deductibles, etc. Do I have that right?

Glad for you that you got paid with no hassle.

 

[bluescat]

So some of the benefits you received from AFLAC went to compensate you for services already covered in whole or in part by BCBS.

It's a nice benefit for you, but might not be what others are looking for in a health insurance policy, except in covering true expenses not covered by BCBS, such as deductibles, etc. Do I have that right?

Glad for you that you got paid with no hassle.

Yes, you are right, thats why I did not chime in earlier and recomend this type of policy. What I recomend is "AFLAC" to someone looking for this type of policy. I doubt I could have had a better experience with another company.