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AGIA offers cancer insurance plan for peace of mind

March 13, 2012

No matter what your age, gender, race, or occupation, cancer does not discriminate. According to the “2010 Cancer Facts & Figures,” Americans have an overall one in three lifetime risk of being diagnosed with cancer.

There is good news when it comes to cancer. Thanks to advanced medical technology and treatment, Americans diagnosed with it today are more likely to beat it than ever before. According to the latest statistics, prostate and breast cancer have nearly a 100 percent survival rate when found and treated early, and all cancers combined have a 66 percent survival rate. In addition, more Americans are taking better control of their own health by getting annual cancer screenings and engaging in a healthier lifestyle. Studies show that nearly 80 percent of all cancers could be prevented by eliminating smoking, eating healthier, exercising, and staying out of the sun.

The treatment and care for cancer can be costly and could place a financial burden on you and your loved ones, especially if your treatment is prolonged. Most basic health insurance plans pay for most of your care—but not all of it. There are usually co-pays, deductibles and policy limitations that could add up.

Then there are also indirect nonmedical costs associated with your treatment, including the cost of gas to drive you to and from a hospital or clinic, over-the-counter medical supplies, lost time/income at work, and child care and other expenses not covered at all by any health insurance plan.

About 70 percent of total cancer costs are non-medical because the risk of cancer is so high and the out-of-pocket costs for care and treatment are not all covered by basic health insurance. This type of insurance typically pays lump-sum benefits for specific types of cancer treatment, tests or procedures, doctor services, surgery, and hospital stays. Thus, it works to reduce your out-of-pocket costs for your care. Please note: Cancer insurance helps complement your basic health insurance benefits; it is not designed to replace them.

There are many different providers offering cancer insurance. If you are interested in purchasing coverage, here are a few things to look for in a policy:

  • Pays benefits for basic cancer care, treatment and procedures, including chemo and radiation, nursing care, surgery, and hospital stays.
  • Offers benefits to help prevent and detect cancer, such as annual wellness exams and routine cancer screening procedures.
  • Guarantees acceptance if you (and your spouse and children) have not been diagnosed with cancer.
  • Pays benefits directly to you and in addition to other coverage you may have.

The AOA endorses a supplemental cancer insurance plan that is an affordable “back-up” plan to your basic health insurance plan. Find out how affordable the AOA-Opti-Cancer Plan can be for you and your family. Call toll-free 866-331-0180 or visit us on the web at www.aoainsurance.com.
Cancer Insurance
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