MTV closed it's music doors the other day. I had to stop and wonder what the Buggles are singing about now since Video Killed The Radio Star.
If you are about my age, you likely caught that reference and can vividly remember the days of waiting for your favorite song to come on the screen to watch that video again since streaming wasn't a thing yet. You're also a person who is at a point in your life where we need to have a frank conversation.
I'm not here to tell you that you need preventive care like mammograms or colonoscopies. Goodness knows that there are plenty of people doing that. But we do need to discuss specialized health plans.
When U2 wrote "Sunday Bloody Sunday" for the WAR album, they opened with the lyric "I can't believe the news today". That lyric hits harder right now more than ever. But for me it is not about The Troubles in Ireland.
As I continue to age, I just can't escape the bad news from my friends. Lately, the cancer diagnoses just keep coming left and right. In the last two months alone I've lost two friends to the nasty disease that we all hate.
It is heartbreaking to watch good people fight for their lives. The side effects of the prescription drugs are brutal. The mental toll from cancer treatment is staggering. The loss of hope can be debilitating.
But there is often a different tragedy that follows those obvious issues rather quickly. It is the financial devastation that hits their families due to treatment costs. Especially if their health insurance plan isn't what they thought it was.
I watch friends and loved ones scrambling to find any sort of help to cover medical expenses. And then, when I see the daughter of one of those friends looking for money to help with funeral expenses my heart breaks. She is leaning on a "Go Fund Me" campaign just to overcome the situation.
Begging strangers for money to keep the lights on or pay for out of pocket expenses is more common than we should admit. And it is completely avoidable with just a bit of planning. That is why it is so frustrating to watch families of my friends grieve and panic about money during and after these tragic events.
The "It Won't Happen To Me" Trap
We all walk around thinking we are invincible. I know I do. We survived riding Big Wheels, jumping our bikes off anything we could find, and our parents not really knowing where we were while roaming the neighborhood. What can possibly get us?
After surviving those glorious decades without the internet, we believe cancer is something that only happens to other people. But waiting for the "what if" isn't a reasonable thought anymore.
Most of us think our health insurance is enough to take care of us. And yours might be. But the truth is that man health insurance policies have massive gaps where cancer treatment is concerned. Sky high deductibles, gigantic maximum out of pockets, and shrinking limited networks can leave you exposed to the downside of cancer insurance.
The cost of cancer treatments can be outrageously expensive if you are not prepared. It is not just the chemotherapy & radiation. It can be surgery. It can be the travel to the best medical facility. When hope begins to fade, the cost of experimental drugs that your insurance refuses to cover. Those costs can drain a savings account in days or weeks.
You Can’t Buy Fire Insurance When The House Is Burning
There is one critical rule about cancer insurance. You can only purchase it before you receive a diagnosis. You have to prepare now or the dreaded pre-existing condition comes into play.
Once the doctor gives you the bad news after screening & diagnosis, it is too late to get specialized protection. You will likely still be able to get major medical insurance through work or the Affordable Care Act via the Health Insurance Marketplace, but how robust will that coverage be?
Specialized cancer insurance works just like fire insurance. You cannot buy a home insurance policy when flames are already pouring out of your windows. You have to take action now before the first spark is ignited.
Real Protection Has Rich Benefits
The good news is that this supplemental insurance coverage that covers cancer is a low-cost way to make sure you have options. It creates a safety net that works alongside any health insurance you currently carry. And you can't lose it if you change jobs or get different health insurance.
The better part of these plans is that they can be purchased stand alone if you are part of the growing portion of Americans not carrying a health plan due to the absurd costs.
This isn't just about paying the medical bills. These cancer insurance policies allow you to seek treatment from licensed health care providers anywhere in the world. You are not stuck with the health care system that happens to be in your insurance plan's local network.
If the best specialist for your condition is in Houston or out of the country, you can go there. These essential health benefits are rich enough to cover those treatments. You get to say "yes" to second opinions, the best health care facilities, and continuing care available without worries of the price tag.
Stop Guessing And Start Healing
While many of us are currently getting those important cancer screenings due to our age, most of us don't actually consider the doctor is going to walk in the room and tell us bad news. But it certainly happens.
Now imagine getting a diagnosis and knowing the money is handled because you had the wisdom to secure cancer insurance before that happens.
You won't have to worry about allowed charges, appeals to insurance providers, or bankrupting your family. And most importantly, you won't need a crowdfunding page just to stay in your home.
You get to focus 100% of your energy on healing and being with your family. That is the peace of mind a robust cancer health insurance plan gives you. It turns what could be a catastrophe into a manageable situation.
Do not wait for a tragedy to force your hand. Let’s make sure you are prepared before the storm hits and get your cancer insurance now before it's too late.
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