Childhood Cancer Survivor's Guide to Health Insurance


There are approximately 50 million uninsured people in the U.S. Of those uninsured, young adults are among the highest groups without health insurance. For childhood cancer survivors, however, going without health insurance is not an option.

"As a cancer survivor, you will need health insurance more than ever," says Pam Gabris, Beyond the Cure Coordinator. "If you don't have a lapse in coverage, an insurer cannot deny coverage for your illness or related health problems. It's critical that you fully understand your rights and responsibilities under your health insurance plan to ensure continuous, dependable coverage."

Currently, the Affordable Care Act passed in 2010 allows young adults to be insured as dependents on their parents' health insurance if they are under the age of 26. But if that isn't an option, there are other insurance opportunities:

Employer-Provided Insurance. Typically, health insurance offered by employers is a form of managed care. The most common types of managed care are Preferred Provider Organizations (PPO), Point of Service Plans (POS), Health Maintenance Organizations (HMO) and Health Savings Account (HSA). For questions about which type of policy you are covered under, talk to your human resources manager.

Group Insurance. If you are self-employed, or if your company doesn't provide coverage, group health care policies are sometimes offered through organizations such as labor unions,

fraternal and business organizations, student associations or other special-interest groups. Be sure to check with your state's insurance office to avoid fraudulent providers.

State and Federal Programs. Check to see if you qualify for state or federal health insurance through Medicaid or State Children's Health Insurance Programs (S-CHIP). As of 2010, pre-existing insurance is available in all states according to the Affordable Care Act.

Drug Coverage Programs. Programs like the Medicare Prescription Drug Discount Card and the Together Rx Access Card offer relief to prescription drug prices. The National Children's Cancer Society (NCCS) also offers a free prescription drug card that provides significant savings on generic and branded drugs. Visit theNCCS.agelity.com to locate participating pharmacies and print a card.

Individual Policies. Purchasing individual policies can be very expensive, so make sure you exhaust other options first. To get the most of your plan, talk to an insurance broker or contact the National Association of Insurance Commissioners.


More Resources

Private Medical Insurance- Finding The Right Policy for You


Why Private Medical Insurance Is Becoming So PopularRecent research indicates that the vast majority of consumers take out private medical insurance because they are concerned about the length of waiting lists for treatment in NHS hospitals.68% of those questioned in a recent online poll, said that they wanted to receive treatment when it was needed rather than having to take their chances with the NHS waiting lists.

Can I Really Get Life Insurance, No Exam Required?


Changing the way that life insurance is bought and sold on the Internet and through the media has opened up the doors for many people to have affordable life insurance policies. Life insurance no exam is one such brainstorm.

Life Insurance No Medical Exam - Is It Really Possible?


Quite often you feel that an ad for life insurance no medical exam is trying to rip you off. However, it is possible to get life insurance no medical exam when you shop online for your life insurance needs.

Everybody Wants The Best Term Life Insurance Quote


The information you need about the best term life insurance quote is only a click away when you search for term life insurance online. You don't even have to know anything about the insurance industry to get the best term life insurance quote from an online insurance company.

A Free Term Life Insurance Quote Is Only Easy To Obtain


By searching online for life insurance, you can get a free term life insurance quote with no obligation to buy. In order to get the free term life insurance quote, you fill in the form on the appropriate page of the life insurance company website.

Why Should I Go To A Life Insurance Broker?


A life insurance broker is a dedicated person that encourages and listens to the needs and wants of a person looking for life insurance. It doesn't matter what type of life insurance you are looking for, whole or term life.

How To Get Cheap Whole Life Insurance Quotes


Whole life insurance quotes the most expensive kind of policies that are on the market due the fact of cash value over time. Whole life insurance is permanent life insurance coverage that lasts as long as you live and continue to make on﷓time premium payments.

Terrorism: Acts of Terrorism: When Will Insurance Respond?


Insurance policies provide financial protection in a broad range of circumstances but each type of product specifies certain situations where the policy will not respond. These vary from one type of product to another, and can vary in detail between one insurer and another.

How Can I Compare Life Insurance Quotes?


The online life insurance companies offer a free service where you can request a free quote for your life insurance needs. This enables you to compare life insurance quotes to see where you can save money with one over the other.

Discount Life Insurance Will Give You The Best Protection You Need


There is always a chance that there is a better deal somewhere else, no matter what you are buying. That is why you should research and find discount life insurance.

Is Life Insurance Comparison Really Necessary?


When you want to purchase a life insurance policy, you really do need to do a life insurance comparison. This is to ensure that you get the best possible rates and the best possible life insurance for your needs.

Auto Insurance In Texas


If you are looking for auto insurance in texas, you might want to check out golden rule insurance company who offers cheap auto insurance online. Of course there are plenty of other companies that also offer affordable rates, but first you should understand Texas auto insurance requirements.

Auto Insurance Rates


Auto insurance rates will vary depending on the insurance agency, your driving record, and the type of insurance you are looking to purchase. I you are looking for affordable car insurance or truck insurance then read on.

Short Term Health Insurance

Affordable Health Insurance For Seniors


The affordable health insurance strategy protection industry is massive and can be a very complicated place sometimes.

More Insurance Information:

Related Articles

Canadian Funeral Insurance: Our Final Gift to Those We Love
Most of us don't like thinking about our own funerals, but no matter how much we ignore the inevitable, the truth is that when the time comes someone will be responsible for those expenses. The question is will it be our grieving loved ones who foot the bill or will we plan ahead and purchase funeral insurance to cover those costs so they'll have one less concern to worry about.
What Does Buildings Insurance Cover?
You will find that your lender will insist that you have this cover when you take out a mortgage. The lender, remember, owns your home until you have paid off the mortgage.
Avoiding The Potholes Of Car Insurance
Car Insurance is an issue that we all of face in our lives. Do we insure our car or not?For example, what type of policy should you get? What should you look out for when signing on the dotted line? Car insurance can be a minefield if you do not investigate and take time out to research and evaluate the many types of insurance on offer in today's market.
Insurance Credit Scoring: An Ethical Issue
The issue at hand is the use of a consumer's credit score as an underwriting tool for auto insurance rates. What is a credit score or FICO score? A FICO score is a credit score developed by Fair Isaac & Co.
How Much Car Insurance Should You Buy?
Car insurance is one of the most dreaded chunks in your budget. And depending on which state you live in, it could be a smaller or larger chunk of your budget than your neighbors across state lines.
Is Your Auto Insurance Company Rated?
Several national rating institutions rate insurance companies. Do coverages, rates, and service vary from company to company? Why can you pay less with one company than another can for the same coverages? Choosing the best insurance company for you is a crucial financial decision.
Car Insurance Gearing up to Drive Down Costs
For once finances seem to be going in favour of the UK motorist, with Esure announcing plans to double its share of the UK's car insurance market - a move which is likely to spark a price war, other internet-only direct insurers passing on to consumers savings based on their low overheads, and specialist insurers offering reduced rates for their particular target markets. A trial pay-as-you-go scheme from Norwich Union is also creating a lot of interest for money conscious motorists.
An Annuities Primer
Though popular among today's aging Baby Boomers and members of the Mature or "Senior" markets, annuities can be traced back to ancient Greece. The term "annuity" comes from the Greek word "annus"-or "year"-and refers to annual income payments.
How to Reduce Car Insurance Premiums
Here are some useful tips on how to reduce car insurance premiums. Firstly, you need to find a sense of balance between coverage and cost.
The Awful Truth about Annuity and Insurance Leads
You see the websites, you see the ads: exclusive, never before sold, prospects eager to buy, insurance and annuity Leads. Some leads cost a few dollars - others are over one-hundred a pop.
Eleven Money-Saving Auto Insurance Tips for Senior Drivers
Following a few simple tips and taking these measures will ensure that you are getting the lowest rates possible on your auto insurance policy.1.
What Is Homeowners Insurance Coverage?
Before attempting to find the best homeowners insurance coverage you should make sure that you are familiar with what homeowners insurance is and what it can do for you. A standard policy provides financial coverage to your house and the property within the house.
Life Insurance Fears Post the London Bombings Tragedy
Following on from the tube train and bus bomb attacks in London there was a move from several UK insurance companies to reassure victims that claims would be processed "quickly and sympathetically". This need for reassurance came in light of concerns that many victims of the blasts would not be covered by their existing health and life insurance cover.
Term Life And Whole Life Insurance
Which type of policy is best for you, term or whole life? The answer depends on several factors, including:Your Needs. If you need coverage only until your children graduate from college, for example, you might be better off with a term life policy.
Discount Auto Insurance - Get Low Rates And Superior Coverage
Auto insurance rates can be quite expensive. If you are in shopping for auto insurance or just comparing rates between your current insurer and competing insurance companies, you may want to look at the rates offered by discount auto insurance providers.
Keys To Controlling The Future of Health Care
Several key changes are necessary to get control of the costs associated with the run away health care system in the United States.Here are just a few suggestions:1) Cost information about medical procedures and cost comparisons to alternative treatments need to be more easily available so that consumers can make better educated health care choices.
House Insurance - Forcible and Violent Entry
Forcible and violent entry (f&ve) is the terminology used within house insurance to describe break-ins.Most home insurance policies will cover you for theft claims made with no forcible and violent entry.
How Do I Lower My Auto Insurance Rates?
Since there are many factors that go into determining your auto insurance rates, there are many chances to lower your rates. If you change jobs and your drive to work changes or you stop working or you work from home, you should contact your insurance company.
Health Insurance Online - Save Today
It is now possible to thoroughly research and buy health insurance online. Without health insurance, the smallest of incidents, accidents, or illness can leave you with expensive medical bills that most people would have difficulty paying.
Health Insurance 101 for Individuals and Families
The changing healthcare and health insurance landscape in the United States has resulted in more individuals and families purchasing health insurance coverage on their own. Rather than touch on the number of reasons why this is the case, I would like to provide individuals and families finding themselves in this position with ten basic ideas to assist them with getting the best health insurance policy for their specific situation.