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Breast Cancer and Insurance

Breast cancer occurs when cells in the breast begin to grow out of control. These cells may also invade nearby tissues and spread throughout the body. These abnormal types of growth are called tumors. There are two types of tumors: malignant and benign. Benign tumors do not threaten life and do not spread, however malignant ones are dangerous and invade nearby tissues.

Breast cancer is the second leading cause of cancer death in American women, second to lung cancer. One in every eight women will get breast cancer in her lifetime, but only one in 28 women will die from it.

A breast cancer diagnosis can create both emotional and physical burdens. Even women who have health care coverage feel the financial burden. Having a solid health insurance policy in place can help you have access to the health care you will need if you are diagnosed with breast cancer. A solid health insurance policy will mostly likely give you a higher chance of overcoming breast cancer with early detection through regular mammograms and clinical breast exams.

It is critical to have a health care policy that provides comprehensive screening for early detection and appropriate treatment. It is imperative that you understand your coverage, and make sure it will provide the necessary coverage before you actually need it.

Many people don't realize it, but one in five women under 65 are underinsured--because many health insurance plans limit payments for services and pay only a portion of health care costs, their policies won't cover the cost of their cancer treatment. That portion of breast cancer care that women find themselves responsible could be financially devastating.

Although you may be able to afford premiums, deductibles and co-pays while you're healthly, out-of-pocket expenses can quickly deplete your finances when you need standard breast cancer care. When medical expenses exceed your policy's financial cap, you may find yourself maxing out credit cards, depleting your savings, and taking second mortgages to pay for your treatment. If the cost of your treatment exceeds your policy's lifetime cap on benefits, you'll be left with no health insurance at all.

Since breast cancer is a disease that affects so many women, all women should make sure that their health insurance policy covers mammograms, and all the medical attention that may be needed if diagnosed with breast cancer. Your policy should cover doctor appointments, chemotherapy, mastectomy, and breast reconstructive procedures. In fact, if a woman's health insurance policy covers mastectomy procedures, then by law her policy must cover reconstructive procedures as well.

Men and women of all ages are at risk for developing breast cancer. Early detection is very important in curing breast cancer. The best way to detect breast cancer at an early stage can be achieved by practicing the following:
-Mammograms & clinical breast exams should be performed regularly.
-Self breast exams should also be performed regularly.
-Women beyond the age of 40 should have a mammogram each year. Women younger
than 40 should have exams every three years (unless there is a breast cancer
history)

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Content copyright © 2013 by Denise M. Castille. All rights reserved.
This content was written by Denise M. Castille. If you wish to use this content in any manner, you need written permission. Contact Denise M. Castille for details.



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