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In order to manage the risks associated with cancer and its many forms, we offer a variety of cancer insurance policies. These supplemental health insurance plans are designed to fill in any gaps left by conventional insurance policies, but may not provide coverage for the full range of health issues related to the disease.

Eligibility is a major issue for applicants; usually, those with a pre-existing cancer diagnosis are not eligible for this type of coverage. (The factors that determine eligibility vary from insurer to insurer.)

Benefits range widely by the insurance company providing the coverage. These benefits can include:

  • financial support for healthy living programs, such as:
    • dietary changes
    • gym memberships
    • tobacco cessation
  • access to wellness tests meant for early disease detection and other overall health aspects, including (but not limited to):
    • mammograms
    • Pap smear tests
    • colonoscopies
  • medical expenses, such as costs associated with cancer treatment
  • non-medical costs, such as financial assistance for transportation, food, home and child care, and other expenses




A hospital stay is stressful enough without additional billing woes. But more seniors are facing unexpected expenses when Medicare’s observation billing doesn’t land in their favor.

Medicare laws state that inpatient stays, including short-term hospital care, must last three days or longer to qualify for Part A coverage. And more and more doctors are placing patients under “observation,” an outpatient status, instead of admitting them to the inpatient ward.

Does Medicare typically cover hospital observation?

In 2012, the average short-term inpatient stay cost Medicare $5,142, compared to $1,741 for a hospital observation stay. During fiscal year 2014, nearly 750,000 hospital stays were deemed outpatient — an 8% increase over the previous year. Medicare spending on hospital observation has jumped from $690 million in 2011 to $3.1 billion in 2016.

“Medicare covers hospital observation under Part B because they consider it as outpatient coverage,” but Part A only covers hospital care when you’re admitted as an inpatient.

That means patients who don't have Part B Medicare coverage would be responsible for the Part B deductible, plus the 20% copay.

Let us help you sort through all this and find the right coverage for you.