There may come a time when life decides to throw a sudden curveball your way—and even worse, it could come as a disease in the form of cancer. It is a sad truth, but there are times when even staying fit and healthy is not enough to repel these horrible sicknesses. Fortunately, cancer is not always an incurable disease; many, many people in the world have survived such encounters. But in this day and age it seems as though much worse than having cancer, is the cost of treatments for such a disease.
One of the most common ways of treating cancer is through the use of radiation, where powerful and concentrated rays are exposed to the concentration of cancer cells in the body, killing them and hopefully preventing such dangerous cells from spreading. In order to keep the body as healthy as possible, the treatments are often spread through the course of many weeks—which will cost quite a lot of money. One possible solution to this financial burden would be if you possess health insurance. However, there is a chance that even that will not cover for radiation treatments. If you wish to find out if your insurance can cover it without being blind-sided, then follow the tips written below:
- Be one step ahead. Cancer treatment can be a very heavy financial burden, so it is always best to know exactly how much you would need for radiation treatment. Make sure to talk to your doctor about it, and see if the two of you can come up with a plan that includes all of the (possible) treatments you will have to undergo under it, as well as how much all of it will cost. A rough estimate is fine as well, but you should be as close to the exact amount as possible.
- Be thorough with your questions. Even if you are not the forgetful type, it is always better to carry a list of the questions you wish to ask your insurance company—the most important ones concerning the penalties you may receive for trying to receive aid from outside of the network as well as the possible cost of your co-payments. Of course, you should also discuss the plan you and your doctor had worked up, and if the total amount would be covered. If not, then list down the treatments that will be included in your insurance.
- Be on the lookout for alternatives. Even if your insurance cannot cover all of your expenses, do not lose hope. Aside from the fact that they will still shoulder some of your treatments, you can also do a little research of your own regarding alternatives such as Medicare, and ask your doctor if he can recommend anything for you as well. There really are plenty of ways out there to receive assistance when it comes to covering the expenses of treatment for a disease like cancer; you simply have to keep searching.
Aside from these tips, many cancer survivors could also be happy to lend a hand, and refer you to even more alternatives to cover the expenses of radiation treatment. Just remember that you are not alone.