Cancer Coverage
A lump sum paid directly to you on a confirmed cancer diagnosis, separate from whatever your health plan covers. The money is yours and you spend it on whatever is needed.
What cancer coverage is
A health plan covers treatment. What it doesn't cover is everything else that happens when someone in the house gets a cancer diagnosis: the deductibles and coinsurance, the trips to treatment, the time off work, the person you have to hire to watch the children, the different food. That's the gap cancer coverage fills.
It works differently from health insurance: it doesn't reimburse bills or pay providers. On a confirmed diagnosis that meets the contract's conditions, the company hands you a lump sum directly and you decide what to do with it. That's why it counts as supplemental coverage and not a replacement for your health plan.
How it works, no fine print
We look at what your current health plan leaves uncovered: deductible, coinsurance, out-of-pocket maximum. That shows the size of the gap.
Each contract defines which diagnoses it covers, which stages, and which exclusions apply. This is the part to understand before signing.
You answer a health questionnaire. I don't ask you for diagnoses or records: the insurance company does the underwriting through its own process.
I leave you a written list of the documents the company asks for, so the claim doesn't stall at the moment nobody has the heart for paperwork.
- Families with a history of cancer who want to be ready.
- Anyone whose health plan has a high deductible or coinsurance.
- Anyone self-employed who would stop billing during treatment.
- Anyone who wants to separate the cost of treatment from the cost of living through it.
- It does not replace your health plan: it supplements it, and that's how to understand it.
- Pre-existing conditions are subject to underwriting and may be excluded depending on the contract.
- Almost every contract has an initial waiting period before you can make a claim.
- Each policy defines which diagnoses and stages trigger payment. Read it, and if it isn't clear, ask me before you sign.
- Approval and final terms depend on the insurance company's underwriting.
Let's talk about whether cancer coverage is right for you
I walk you through your options openly, compare the insurance companies I work with, and tell you plainly if a different coverage suits you better. No obligation and no pressure — the decision is always yours.
About cancer coverage, specifically
That's exactly why it exists. Your health plan pays for treatment; this coverage gives you cash for what the plan doesn't pay and for carrying on living while you're treated. They're two different things and they don't compete.
Family history isn't the same as a pre-existing condition of your own, and in many cases it doesn't stand in the way. Each company underwrites by its own standards. What I do is find the company whose standards fit your situation best.
Yes. On a diagnosis covered under the contract, the money is paid directly to you and isn't tied to submitting receipts. Some people use it for treatment, others to cover the mortgage during the months they couldn't work.