Getting Help With Cancer Treatment Costs

Cancer treatment is expensive. Between copays, deductibles, medications, travel, and time off work, costs add up quickly. Many people feel stressed or even scared about how they'll pay for care. The good news is that financial assistance exists, and you don't have to navigate this alone.

Understanding Your Insurance

Before looking for other help, understand what your insurance covers:

• Call your insurance company and ask about your out-of-pocket maximum

• Find out what your copay or coinsurance is for treatments

• Ask whether your oncologist and treatment facility are in-network

• Request a list of covered medications

• Ask about appeals if a treatment is denied

Write down your insurance company's phone number and policy number. Keep this information easily accessible for future calls.

Ask Your Treatment Team for Help

Most cancer centers have financial counselors or social workers on staff. These specialists can:

• Explain what your insurance covers

• Help you understand bills and explanation of benefits

• Apply for financial assistance programs

• Connect you with resources specific to your situation

• Answer questions about treatment costs

Schedule an appointment with your financial counselor early in treatment. Don't wait until bills start arriving.

Financial Assistance Programs Available

Many organizations offer help paying for cancer care:

Copay Assistance Some pharmaceutical companies offer programs that help pay copays for their medications. Ask your pharmacist or oncologist if your medications have assistance programs.

Treatment-Related Costs Nonprofits and foundations offer grants to help pay for:

• Treatment and medications

• Childcare during appointments

• Transportation to treatment

• Housing during treatment

• Food and utilities

Government Programs Depending on your income and state, you may qualify for:

• Medicaid or Medicare

• State pharmaceutical assistance programs

• Utility assistance

• Housing programs

How to Find Assistance

Your financial counselor is your best first resource. They know what programs your patients typically qualify for and can guide you through applications.

You can also:

• Ask your oncology team for a list of resources

• Contact nonprofit organizations focused on cancer support

• Search for programs using your location, cancer type, and needs

• Call 211 (dial 2-1-1) for local resources and programs in your area

• Visit the National Cancer Institute website (https://www.cancer.gov) for information and links

Keep Good Records

Save all medical bills, insurance statements, and correspondence. Create a folder or use your phone to store photos of important documents. This helps when applying for assistance programs and ensures you have proof of expenses.

Know Your Rights

You have the right to:

• Transparent information about treatment costs

• Appeals if insurance denies coverage

• Help understanding medical bills

• Know about financial assistance options before treatment begins

Don't let cost concerns stop you from asking questions or seeking treatment. Financial obstacles are something your care team expects to hear about. They have resources and connections to help you get the care you need.

Written By: Carolyn Vandenbroek, MSDM

Reviewed By: Srilata Gundala, MD

Disclaimer: This blog provides general educational information and is not a substitute for medical or psychological advice. Always speak with your healthcare provider and mental health professionals for guidance specific to your situation.