Should You Buy Cancer Insurance?

Cancer is a type of illness in which cells within the body increase in number and grow at an irregular pace. Cancer can also be invasive, meaning it grows in the body and kills nearby body tissue. In some cases, Cancer is metastatic. Metastatic cancers do not stay in one place; they spread to other parts of the body, including important organs. It is still unclear why these cells develop within the body; one idea is that inactive Cancer cells are always within the body. The question then becomes: why do the cells grow and attack one person's body and not another's? Science points out that a person's surroundings can affect these cells. Science also shows that certain chemicals and substances can cause cancerous cells to develop and grow. However, no one can know if or when Cancer will attack the body; this is why Cancer insurance is important. The following paragraphs will explain what Cancer insurance is, how it may be helpful, and how it connects to standard health insurance.

Cancer insurance can offer several benefits. The first of these is in-hospital or outpatient treatments. This means that Cancer insurance would help to cover the cost of different types of Cancer treatments like radiation, chemotherapy, and some experimental treatments and medications. A second benefit to Cancer insurance is that it offers transportation and lodging and it can help with the expense of ambulance services or air ambulance (helicopter). It can also aid in paying for traveling costs to special doctors in other states. In addition, Cancer insurance can provide full-time nursing care and a place to stay during treatments. In many cases, Cancer patients require surgery and extended care. Cancer insurance can help pay for surgical procedures such as reconstruction (rebuilding damaged parts of the body) and prosthesis (creating a false limb or body part to replace one that has been removed). If necessary, Cancer insurance helps to pay for skilled nursing care or home care, and also offers hospice, or long term care. There is also a Cancer insurance benefit the covers the expense of a test that may help in the prevention of Cancer. The price of Cancer insurance varies, and is based on four different levels. You, as the insured, choose which level of Cancer insurance is best for you based on your own experiences. These different benefits range in cost from twenty-five and one hundred and twenty-five dollars a year.

One of the most asked questions is, "Why have Cancer insurance if my health insurance pays for these different treatments for Cancer?" While health insurance does cover some treatments, it may not cover all treatments and expenses. Some experimental treatments, for example, are incredibly expensive and are not covered by typical health insurance. Also, traveling to other parts of the country to see Cancer specialists is pricey, and health insurance may not cover the cost. While Cancer insurance may take care of those expenses, it is not a replacement for health insurance. Instead, it is meant to be an addition to health insurance, and the decision of whether or not you should have Cancer insurance should be based on your own experiences and concerns.

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