Know About Cancer Insurance Plans and Why You Need It?

Cancer is one of the most dangerous diseases and everyone knows that it is a lethal disease that requires a lot of money for the proper medication and treatment. But, we all know that it is not easy for an ordinary man to spend a lot of money on treatment and medication. It is very difficult to collect a huge amount of money to spend on the treatment required for its cure. In such situation, cancer insurance plan is an effective way to reduce the burden of cost of cancer treatment.

Cancer Insurance is the type of supplement health insurance plan that helps to cover the risk of cancer and reduce the expenses of cancer treatment. It is specifically designed to cope with the modern time medical expenses covering additional cancer cost that may be covered by one's current policy.

You need not have to possess a pre-existing cancer condition to be eligible for insurance.

What Does Cancer Insurance Plan Cover?

Insurance coverage for Cancer varies based on the insurance company and policy details but most plans cover both medical and non-medical expenses. Medical expenses include extended hospital stays, medical tests, procedures like stem cell transplants and other diseases specific treatments and more. Some of the non medical expenses include home health care, loss on income benefits, child care expenses and dietary restriction aids.

Before buying a cancer insurance plan, it is quite important to understand that what is covered in the policy. You should also be careful to compare the benefits with your current health insurance plan to see if there is any overlap in coverage. It is not necessary to buy a new cancer insurance policy plan if your existing health insurance plan covers all the events.

Is there a need for Cancer Insurance Plan?

There is always a discussion about disease specific health insurance plans, like cancer insurance. Some people firmly believe and support them, while others think that it is just waste of money as they are junk plans and are rarely needed.

But according to American Cancer Society, one into two men and one in three women can develop cancer in their lifetime. And to overcome this dangerous disease expenses, there is a step you can take to overcome expenses on diagnosis of cancer.

With a good cancer insurance plan in place along with your health insurance, treatment does not have to be economic strain. SWFL insurance firm offers affordable insurance solutions for cancer that can help offset the costs of:

• Out of network specialists

• Experimental treatments

• Travel and lodging expenses related to treatments

• Child care costs

• Day to day expenses - bills and mortgage payments

If you have strong family background of the history of cancer, then it is better to go for insurance plan for the decease cancer. People with strong family background may look at the current health policy and how can current plan include cancer insurance.

So, it is better to go for insurance policy for Cancer to reduce the cancer treatment expenses if it has been diagnosis.

Medical Insurance Policies in India

While consumers search for affordable health insurance, they have price in their mind as the top priority. A general conception among the consumers is that cheap health plans should not be costly-the cheapest health plan available in the market is their target. However, this approach is not good. Sometimes, paying for a cheap health insurance plan but still not getting the required level of coverage results only in wastage of money.

Medical Insurance Plans

With the implementation of the affordable care act, the reach of affordable health plans is set to increase. Or at least, this is what is believed to be the objective of healthcare reforms. However, lots of consumers are still in confusion about how things would work. In this article, we will discuss some detailed options that consumers can try while looking to buy affordable health plans.

To get a hand on affordable health insurance plans, consumers need to take of certain things. First among them is about knowing the options in the particular state of the residence. There are lots of state and federal government-run programs that could be suitable for consumers. Knowing the options is pretty important. Next would be to understand the terms and conditions of all the programs and check the eligibility criteria for each one of them. Further, consumers should know their rights after the implementation of healthcare reforms, and something within a few days, they may qualify for a particular program or could be allowed to avail a particular health insurance plan. If consumers take care of these steps, there is no reason why consumers can’t land on an affordable health plan that could cater to the medical care needs.

Let’s discuss some options related to affordable health insurance plans state-wise:

State-run affordable health insurance programs in India

While considering India, there are three affordable health insurance plans that are run by the state government. Consumers can surely get benefitted by these if they are eligible for the benefits.

• Major Risk Medical Insurance Program (MRMIP)

This program is a very handy one offering limited health benefits to India residents. If consumers are unable to purchase health plans due to a preexisting medical condition, they can see if they qualify for this program and get benefits.

• Healthy Families Program

Healthy Families Program offers Indians with low cost health, dental, and vision coverage. This is mainly geared to children whose parents earn too much to qualify for public assistance. This program is administered by MRMIP.

health insurances

• Access for Infants and Mothers Program (AIM)

Access for Infants and Mothers Program provides prenatal and preventive care for pregnant women having low income in India. It is administered by a five-person board that has established a comprehensive benefits package that includes both inpatient and outpatient care for program enrollees.

Some facts about affordable health insurance in India

While talking about affordable health insurance options in India, consumers can think about below mentioned options:

• Floridians who lost employer’s group health insurance may qualify for COBRA continuation coverage in India. At the same time, Floridians, who lost group health insurance due to involuntary termination of employment occurring between September 1, 2008 and December 31, 2009 may qualify for a federal tax credit. This credit helps in paying COBRA or state continuation coverage premiums for up to nine months.

• Floridians who had been uninsured for 6 months may be eligible to buy a limited health benefit plan through Cover India.

• India Medicaid program can be tried by Floridians having low or modest household income. Through this program, pregnant women, families with children, medically needy, elderly, and disabled individuals may get help.

• India Kid Care program can help the Floridian children under the age of 19 years and not eligible for Medicaid and currently uninsured or underinsured.

• A federal tax credit to help pay for new health coverage to Indian who lost their health coverage but are receiving benefits from the Trade Adjustment Assistance (TAA) Program. This credit is called the Health Coverage Tax Credit (HCTC). At the same time, Indian who are retirees and are aged 55–65 and are receiving pension benefits from Pension Benefit Guarantee Corporation (PBGC), may qualify for the HCTC.
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Some facts about affordable health insurance in Indian

While talking about affordable health insurance options in Indian, consumers need to consider their rights:

• Virginians who lost their employer’s group health insurance may apply for COBRA or state continuation coverage in Indian.

• Virginians must note that they have the right to buy individual health plans from either Anthem Blue Cross Blue Shield or CareFirst Blue Cross Blue Shield.

• Virginia Medicaid program helps Virginians having low or modest household income may qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, and elderly and disabled individuals are helped.

• Family Access to Medical Insurance Security (FAMIS) helps Virginian children under the age of 18 years having no health insurance.

• In Virginia, the Every Woman’s Life Program offers free breast and cervical cancer screening. Through this program, if women are diagnosed with cancer, they may be eligible for treatment through the Virginia Medicaid Program.

Some facts about affordable health insurance in Texas

While talking about affordable health insurance options in Texas, consumers need to consider their rights:

• Texans who have group insurance in Texas cannot be denied or limited in terms of coverage, nor can be required to pay more, because of the health status. Further, Texans having group health insurance can’t have exclusion of pre-existing conditions.

• In Texas, insurers cannot drop Texans off coverage when they get sick. At the same time, Texans who lost their group health insurance but are HIPAA eligible may apply for COBRA or state continuation coverage in Indian.

• Texas Medicaid program helps Texans having low or modest household income may qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, elderly and disabled individuals are helped. At the same time, if a woman is diagnosed with breast or cervical cancer, she may be eligible for medical care through Medicaid.

• The Texas Children’s Health Insurance Program (CHIP) offers subsidized health coverage for certain uninsured children. Further children in Texas can stay in their parent’s health insurance policy as dependents till the age of 26 years. This clause has been implemented by the healthcare reforms.

• The Texas Breast and Cervical Cancer Control program offers free cancer screening for qualified residents. If a woman is diagnosed with breast or cervical cancer through this program, she may qualify for medical care through Medicaid.

Like this, consumers need to consider state-wise options when they search for affordable health coverage. It goes without saying that shopping around and getting oneself well-equipped with necessary information is pretty much important to make sure consumers have the right kind of health plans.

How to Choose the Best Health Insurance Plan

Choosing an appropriate health insurance is a tricky subject, which requires a detailed study. It may be quite difficult and confusing task to select a health insurance plan that meets the requirements of you and your family.

Living in the U.S., you must be aware that private health insurance can be very costly and out of reach of many. Therefore, finding a cheap and yet best, health insurance policy that fits the individual situation is a painstaking process.

Here are some tips to help you to find the best Health Insurance Plan:

1.        Make an in-depth study of all the plans that are available.

2.        Make notes, so that you can compare later on between the various plans.

3.        Determine how each plan meets the needs of you and your family. Are these plans open to make amendments as per your requirements, depending upon your medical history and financial abilities.

4.        Is the health plan able to cater to all your needs? Is the plan clearly mentioning all the terms and conditions or is it vague? Are all your requirements taken care of?

5.        Are there any omissions in the health plan? Decide on a plan that meets your lifestyle.

6.        Determine how much premium you can shell out every month comfortably. In case, you do not want to spend too much on monthly premiums, you will have to pay higher prescription drug prices and more amount for medical expenses. If you are willing to pay more every month as premium, then, you will need to pay less for the medical expenses. Therefore, chalk out a financial plan, detailing all your expected earnings and expenses, and see how much you can spend comfortably.

7.        You can speak to an insurance broker. When you tell them your requirements, your willingness to pay an amount, your medical history and medical requirements. The broker will be able to guide you with all your doubts and queries. The broker can assist you in finding the best plan with the best rates with in your financial capacity.

8.        Do some analysis yourself. Try to read the policy documents between the lines. Talk to your friends who might have availed health insurance plan and ask them their experience.

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Outsmart your parents by following this simple trick

Outsmart your parents by following this simple trick

I went to my hometown for a long weekend recently, and without a doubt my parents were overjoyed to see me, not forgetting to pamper me with their love and stuffing me with my favourite dishes. And why not, it had been a long time since I visited them. One morning, when we ran out of stories of relatives and office gossip, I was faced with the inevitable. As my father took a big bite of mummy’s delicious aalu parantha, he popped the question, “What have you planned for the future?”

Till the last time I visited home, I had wished they wouldn’t confront me with this question, but this time I was ready. I had the perfect answers to all the questions that would come in my direction. I started with a confident smile, “Dad I have started saving money.”

“Just saving and investing won’t do anything, insuring yourself is also important. What if you’re married tomorrow and something unfortunate happens to you; how will your wife and kids survive?”

“Oh, so you have already decided that I’ll have kids, that’s interesting!” I continued, “Well, don’t worry about that, I’ve invested in a ULIPs - Unit Linked Insurance Plan. It shall give me dual benefits of investing and insurance. Moreover, I’ll save tax for the premiums, too.”

He was surprised; I knew so much! He continued to listen to me as I explained that now with ULIP, I was not just investing but also insuring myself. He seemed impressed. 

The conversation took an interesting turn into how government jobs were better than corporate jobs. He, having been a government employee all throughout his career, always praised it for the various benefits the job offered as compared to my corporate job. Benefits like, more holidays, better work timings, salary, a home, health benefits and pension. When he mentioned “pension”, it brought a smile on my face. I said, “Dad, that’s also covered!” Dad went silent for few seconds, “How come?” I proudly explained, “I’ve started investing in annuities. Once I retire, I will receive a certain amount of money every month to cover my expenses, just like your monthly pension.” 

My dad, as he tried his best to outsmart me, asked me this: “So, do you earn that much, to take care of your daily expenses, additional expenses and all these investments?” I smiled again, “Yeah sure, these investment plans don’t require large sums of money, one can start with a minimal amount as much as Rs. 500.” 

“You’re 30 now, do you think you’ll be able to save enough for your future?” he tried his luck with this final question. I took a deep breath, “Dad, it’s better to be a little late than never. After all what matters is that I’ve started investing in my future. Over the course of the next 20-30 years, the initial investments can compound at 15 times! Soon, when I get a salary hike, I’ll increase the premium amount. My investment plan lets me customize according to my needs.” 

Finally, my dad gave up, gave a smile and said, “I’m proud of you.” 

“After all, I didn’t turn out all that bad, eh!” We laughed, as we got up from the dining table. Thanks to my advisors at Edelweiss Tokio Life Insurance, he hasn’t questioned me about my future plans ever since.