Health Insurance and Financial Assistance for the Cancer Patient

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References

To learn more

More information from your American Cancer Society

The following related information may also be helpful to you. These materials may be ordered from our toll-free number, 1-800-227-2345, and many of these can be read online at www.cancer.org.

Legal, job, and employment rights

What Is COBRA? (also in Spanish)

What Is HIPAA? (also in Spanish)

Family and Medical Leave Act (FMLA) (also in Spanish)

Americans With Disabilities Act: Information for People Facing Cancer (also in Spanish)

Health insurance and finances

Children Diagnosed with Cancer: Financial and Insurance Issues

Medicare Coverage for Cancer Prevention and Early Detection (also in Spanish)

Medicare Part D: Things People With Cancer May Want To Know

Clinical Trials: State Laws Regarding Insurance Coverage

In Treatment: Financial Guidance for Cancer Survivors and Their Families (also in Spanish)

Off Treatment: Financial Guidance for Cancer Survivors and Their Families

How to Find a Financial Planner Sensitive to Cancer Issues: Financial Guidance for Cancer Survivors and Their Families

Advanced Illness: Financial Guidance for Cancer Survivors and Their Families

Coping With the Loss of a Loved One: Financial Guidance for Families

Can I Be Prepared If Cancer Occurs?: Financial Guidance for Those With Concerns About Cancer

Help with medical treatment

Prescription Drug Assistance (also in Spanish)

National Breast and Cervical Cancer Early Detection Program

National organizations and websites*

Along with the American Cancer Society, other sources of information and support are listed below. Because there are so many sources, some have their full contact information listed in the text rather than here.

Health coverage

State Health Care Marketplaces – US Department of Health and Human Services
Toll-free number: 1-800-318-2596 (also in Spanish)
TTY: 1-855-889-4325
Website: www.healthcare.gov

    Provides information on the new insurance law, takes you through the steps of finding insurance, and much more. If you don’t have Internet access, the phone number will connect you with your state’s marketplace.

Medicaid – US Department of Health and Human Services
Toll-free number: 1-877-696-6775
Website: www.medicaid.gov/index.html

Medicare – US Department of Health and Human Services
Toll-free number: 1-800-633-4227
TTY: 1-877-486-2048
Website: www.medicare.gov

    Answers questions, provides literature, and gives referrals to state Medicare offices and local HMO’s with Medicare contracts.

Department of Veterans Affairs
Toll-free number: 1-800-827-1000
Website: www.va.gov

Getting help with insurance issues

US Department of Health & Human Services
Website: www.healthcare.gov

    For the most up-to-date information on health care and insurance laws and how they might affect you

Cancer Legal Resource Center (CLRC)
Toll-free number: 1-866-843-2572 (may need to leave a number for a call back)
Website: www.cancerlegalresourcecenter.org

    Provides free legal information about laws and resources for many cancer-related issues including health insurance issues, denial of benefits, and government benefits

Patient Advocate Foundation (PAF)
Toll-free number: 1- 800-532-5274
Website: www.patientadvocate.org

    Works with the patient and insurer, employer and/or creditors to resolve insurance, job retention and/or debt problems related to their diagnosis, with help from case managers, doctors, and attorneys. For cancer patients in treatment or less than 2 years out of treatment

Medicare Rights Center (for those with Medicare)
Toll-free number: 1-800-333-4114
Website: www.medicarerights.org

    This service can help you understand your rights and benefits, work through the Medicare system, and get quality care. They can also help you apply for programs that help reduce your costs for prescription drugs and medical care, and guide you through the appeals process if your Medicare prescription drug plan denies coverage for drugs you need

Your rights at work

US Department of Labor, Employee Benefits, Security Administration (EBSA)
Toll-free number: 1-866-444-3272
Website: www.dol.gov/ebsa

    Information on employee benefit laws, including COBRA, FMLA, and HIPAA requirements of employer-based health coverage and self-insured health plans. Also has information on recent changes in health care laws. Information for military reservists who must leave their private employers for active duty can be found at: www.dol.gov/elaws/vets/userra/mainmenu.asp

US Equal Employment Opportunity Commission (EEOC)
Toll-free number: 1-800-669-4000
TTY: 1-800-669-6820
Website: www.eeoc.gov

    For information on all federal equal employment opportunity regulations, practices, and policies; publications; how to file charges of workplace discrimination; and how to find EEOC offices in your area

Income sources and money management

Social Security Administration (SSA)
Toll-free number: 1-800-772-1213
TTY: 1-800-325-0778
Website: www.socialsecurity.gov

    Has general information, qualification criteria, and information about how to apply for program benefits (such as Social Security Disability Income and Supplemental Security Income if you cannot work). Makes referrals to local SSA and Medicare/Medicaid offices

TANF and State Health Departments – US Department of Health and Human Services
Toll-free number: 1-877-696-6775
Website: www.acf.hhs.gov/programs/ofa/help

    Provides contact information for each state’s health department, including Temporary Assistance for Needy Families (TANF) in your state

Financial Planning Association
Telephone: 1-800-322-4237
Website: www.fpanet.org

    Offers free information on personal finance, answers general financial planning questions, makes referrals to FPA members who are Certified Financial Planners™, and sets up free financial planning services to qualified people and families in need

Internal Revenue Service
Toll-free number: 1-800-829-1040
TTY: 1-800-829-4059
Website: www.irs.gov

    Has answers to tax questions, tax forms, and referrals to free tax help for those who qualify

*Inclusion on these lists does not imply endorsement by the American Cancer Society.

No matter who you are, we can help. Contact us anytime, day or night, for information and support. Call us at 1-800-227-2345 or visit www.cancer.org.


Last Medical Review: 12/31/2013
Last Revised: 10/13/2014