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Cancer Insurance Policies and BCG's

11 years 2 months ago #8691 by Rosemary
Hey WifeAgain!

That would be great, but unfortunately, my AFLAC agent is requiring 5 years cancer free to increase my policy benefits. 2 years down. 3 years to go.

I'm gonna try to make it.

Thanks for your post,
Rosemary


Rosemary
Age - 55
T1 G3 - Tumor free 2 yrs 3 months
Dx January 2006

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11 years 2 months ago #8679 by TheWifeAgain
Also an important reminder, with some cancer policies if you are unable to obtain a policy because you have already been diagnosed, once you are cancer free for one year you can be eligible. With the known high rate of recurrence of bladder cancer it would be a great idea. The Aflac policy I have gives a flat $5000. at time of diagnosis plus all of the stated benefits and payments listed above. It was too late for my husband when I was offered the insurance but I am hoping someday if he is cancer free for one year I would definently invest in one for him.

Age 53 Currently
Bladder Cancer Diagnosis October 2006 T1G3
2011 Finally made it 6 month between Cystos
8/22/2011 Cysto in the OR
(BCG and BCG Maintenance over the years)
Graduated to yearly Cystos
Tumor found at first one year Cysto - TURBT 4/26/2013
Kidney pain - CT scan 5/1/2013

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11 years 2 months ago #8668 by Stephany
Thanks for the great idea, Rosemary. I put together a packet today for Aflac, and I will use your example, and fax from now on. I mailed copies of his bills and the docs notes, too, to document treatments.

I also have another Aflac policy....something about "special occurence" that I should be getting a copy of pretty soon.

You know, I used to think I was pretty organized in my insurance records, but I don't know how someone who doesn't have the experience cope with all the paperwork.

Anyway, thanks for the tip. I've got my fingers crossed. And congratulations on getting that reimbursement...way to stand up for yourself!

Stephany in Iowa

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11 years 2 months ago #8619 by Rosemary
Stephany,

Please make sure that you read your policy carefully, so that you can apply for everything that you are eligible for. I forgot to mention that my two Mitomycin treatmentst were covered too, but you have to APPLY for reimbursement. Therefore, it is necessary to stay on top of the paperwork. I found it easier to fax a copy of the encounter form to AFLAC on the day of treatment and I would have a check in less than a week.

My medical insurance from work is a blessing, but it does not cover everything. This means that I still have medical bills coming in to me from all over the county for the past two years for surgeries and biopsies. So, last week, I threw up my hands and surrendered to apply for a hardship medical through my retirement program. The hospital told me that I would have trouble qualifying for it. It took about a day to get the paperwork together. The package of papers for the application that I mailed was very heavy. (You have to include current bills and EOB's). I sent the bulging packet off with a lick and a promise and was so surprised when I received a large check to cover my medical bills by Fed Ex within 5 days.

The point is, the paperwork is always tough, but what a load off the back!

I'm glad you have the AFLAC.

Regards,
Rosemary



Rosemary
Age - 55
T1 G3 - Tumor free 2 yrs 3 months
Dx January 2006

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11 years 2 months ago #8612 by Stephany
Yes, Rosemary, it is a good policy. We have had it for a couple of years, and just this spring I was thinking that it wasn't something we needed, that essentially we were betting that one of us would get insurance, and the company was betting that we wouldn't....that's the way it works.

Anyway, in June he was diagnosed with cancer, and they sent us a check. I couldn't believe it. I woke my husband up to tell him.

And now, maybe we'll get some for the post-surgical chemo.

Now, if the disability insurance people would be so easy to deal with. I can't believe the paperwork. It's as if they want to make it too difficult to apply for the claim.

I finally got two policies filled out, and will take them to the doc's office for their part, when we go to discuss the chemo on Tuesday.

I can't believe we were so lucky (can't call it smart, really).

Anyway, the AFLAC policy was a good one. As was our Wellmark.

Stephany in Iowa

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11 years 2 months ago #8586 by Rosemary
Rosie,

My policy paid me cash up front just for getting cancer, then I got $600.00 for each biopsy, and I think I got $75.00 for each anesthesia, then, I got paid for the motel and mileage for traveling to see the second opinion doctor.

BCG's are considered chemotherapy, so all in all, I got $2400 just for BCG's.

I work for local government where we have about 600 employees, and out of all of them only about 3 people have had Cancer (me being one of them). After my diagnosis, I talked so good about my Cancer policy, that the sales agent had a most profitable year! She was so happy with me, that she presented me with a gift of appreciation.

I was 6 years at that place of employment before I let the sales agent talk me into the policy. It was just in time!!

It is such terrible strain on some of us to have to worry about cancer and money too, so this was a great blessing in a time of need.

Just my two cents.

Rosemary


Rosemary
Age - 55
T1 G3 - Tumor free 2 yrs 3 months
Dx January 2006

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