Health Insurance and Financial Assistance for the Cancer Patient
- Covering the costs of cancer treatment
- Private health insurance options
- Types of private health plans, and what you must pay
- Other things to know about health insurance
- Getting answers to insurance-related questions
- Keeping records of insurance and medical care costs
- When you have problems paying a medical bill
- Handling a claim denial
- Keeping employer-sponsored health insurance coverage
- COBRA (Consolidated Omnibus Budget and Reconciliation Act of 1986)
- The Health Insurance Portability and Accountability Act of 1996 (HIPAA)
- The Family and Medical Leave Act of 1993
- The Americans With Disabilities Act of 1990
- Government-funded health plans
- Who regulates insurance plans?
- Financial issues: Getting help with living expenses
- Getting money from life insurance policies
- Other sources of financial help
- Disability benefits
- To learn more
Getting answers to insurance-related questions
Questions about insurance coverage often come up during treatment. Here are some tips for dealing with insurance-related questions:
- Speak with the insurer or managed care provider’s customer service department.
- Ask the cancer care team social worker for help.
- Hospitals, clinics, and doctors’ offices often have someone who can help you fill out claims for insurance coverage or reimbursement. A case manager or a financial assistance counselor may be able to help guide you through what can be a complicated process.
- Talk with the consumer advocacy office of the government agency that oversees your insurance plan. (See the section “Who regulates insurance plans?”)
- Learn about the insurance laws that protect the public. Call your American Cancer Society National Cancer Information Center at 1-800-227-2345. You might also visit www.healthcare.gov/using-insurance/understanding/rights/index.html for more information.
Last Medical Review: 11/04/2014
Last Revised: 11/04/2014