How to Pay for Cancer Treatment
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Have your medical insurance company pay for the treatment.
- To know if your insurance does cover your cancer treatment, make sure you read over your policy. It should outline what it will cover and what percentage of the bill they will pay. If you are responsible for a co-payment, the policy should say this as well.
Check to see what Medicaid benefits you qualify for and what they will cover.
- Call your social services department to find out if you qualify for Medicaid and if they will cover your treatment. In some locations, Medicaid is funded by state and federal governments and they will cover a part of your treatment bills.
- If Medicaid in your state will cover off-label cancer treatment, then that means you will be covered. Off-label is the practice of using treatment or drugs in an unapproved way. In many cases, patients find that treatments work better for off-label purposes than their original intended use.
See if you are eligible for Social Security disability benefits.
- To qualify, according to Social Security, you need to have a condition that prevents you from working for at least 12 months. Many cancer treatments do not prevent you from working this long. However, if your cancer cannot be removed by any kind of surgery, it comes back after having surgery or it spreads to another part of your body, Social Security may cover your cancer treatment.
Inquire with nonprofit groups about obtaining help from them.
- Many nonprofit groups will help patients pay for treatment, prescription drugs and appointment co-payments. Each organization will specify its own qualifications to you will have to check with them. In some cases, it can depend on the type of cancer that you have. Certain groups will only help those with a specific kind of cancer.
- The American Cancer Society is a charity that focuses on diagnosis and treatment for cancer. Cancer Care is a national organization that provides free support for anyone affected by cancer. The National Childhood Cancer Foundation is a national non-profit organization that helps pediatric cancer treatment and research.
Talk with your doctor about what other payment options are available to you.
- Your physician or oncologist may know of some options if you are uninsured or your insurance does not cover much. Ask for a referral to a cancer treatment center that may treat patients and work with them if they do not have the ability to pay. You can also ask your doctor for a referral to a hospital social worker who may be able to help you.