Cancer, Heart & Stroke Insurance
Financial Peace of Mind if You Receive a Diagnosis
2 Ways to Get Cancer, Heart and Stroke Insurance Coverage
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Cancer, Heart & Stroke Insurance
Is Cancer Insurance Worth It?
Cancer comes at an enormous financial cost. The National Cancer Institute calculated the average cost of medical care and drugs tops $42,000 in the year following a cancer diagnosis. Some treatments can exceed $1 million.3,4 What’s also troubling is that people are 2.65 times more likely to declare medical bankruptcy after a cancer diagnosis.2
Cancer Insurance provides cash payouts in the event you receive a cancer diagnosis to help pay for out-of-pocket medical bills, or any other expenses not covered by your insurance plan including trips to see out-of-area specialists.
What is Heart Insurance?
About 90% of people who have a heart attack will survive. Unfortunately, the road to recovery comes at a financial cost. Hospital care for someone suffering from heart failure is estimated at $83,980 alone, of which standard Medicare would only cover 80%.5
Heart Insurance provides a lump-sum payment in the event you suffer a heart attack to help pay for any outstanding bills or whatever else you need.
Do I Need Stroke Insurance?
Strokes are increasing problem for older people with about 75% of strokes occurring in people 65 or older and the chance of having a stroke doubling every decade after 55.7 Strokes are estimated to cost an average of $59,900 per year.
Stroke Insurance can help eliminate or alleviate this financial burden, providing money at the time of diagnosis to use at that person’s discretion.
Cancer, Heart Attack and Stroke Insurance Features & Benefits
Lump-sum payments can be used to help pay for your:
Frequently Asked Cancer, Heart Attack and Stroke Insurance Questions
Cancer, Heart Attack and Stroke Insurance are supplemental insurance policies that provide cash benefit if the policyholder suffers a heart attack or stroke or is diagnosed with cancer.
Anything! There are no restrictions on how you can spend your lump-sum payment. Often people will use the money to help pay for their treatments, copayments and deductibles, or any out-of-pocket expenses. Those expenses may include travel to your appointments, rent or mortgage payments, medical supplies, additional rehabilitation programs or supplement lost income.
That depends on what the insurance carrier provides. Most insurance companies offer Cancer Insurance as a stand-alone insurance policy and Heart and Stroke Insurance are bundled together in another insurance policy. If you want coverage for all three, then you’ll need to get two separate policies.
Some policies have what’s called a “Recurrence Benefit.” This means that in the event you have a heart attack, stroke or cancer diagnosis and paid your policy’s maximum payout, you can receive another payment in the event you have another diagnosis. However, you may not get the total amount again, depending on how long it’s been since your previous incident.
For example, if you have a $30,000 Heart Insurance policy and have a second heart attack between 2-5 years AFTER your first heart attack, then you may receive 25% ($7,500) of your policy’s max benefit. Remember, this example and payout may differ by insurance carrier or policy.
Example:
| Time Period Without Medical Advice or Treatment and Recurrence | Percentage of Above Benefit Amount |
|---|---|
| Less than 2 years | 0% |
| 2 years or more but less than 5 years | 25% |
| 5 years or more but less than 7 years | 50% |
| 7 years or more but less than 9 years | 75% |
| 9 years or more | 100% |
| Lifetime Maximum Percentage of the Cancer Recurrence Benefit Amount | 100% |
Yes, there are limitations and exclusions on what is or isn’t covered under these plans. For example, other than malignant melanoma, skin cancer isn’t covered under some Cancer Insurance Policies. That’s why it’s essential to read your policy’s Outline of Coverage, so you understand what conditions or secondary conditions are or are not covered under your policy.
Yes, these policies typically have guaranteed renewability for life, provided the policyholder pays the plan premiums when due.
Yes. Most plans typically have a 30-day waiting period before the plan goes into effect.
That depends on how long it’s been since your previous diagnosis. The insurance carrier will ask questions to determine your plan eligibility. Depending on the carrier, they will ask when your last heart attack, stroke or cancer diagnosis was – depending on the plan.
If you suffered a heart attack, stroke or cancer diagnosis within a certain number of years, you may be deemed ineligible to enroll in the plan.
If you suffer a heart attack and require open heart surgery but don’t have health insurance, then you should expect a hefty medical bill. The United States has the highest cost of any country for a heart bypass, at about $123,000.8
Remember, Heart and Stroke Insurance only pays if you suffer a heart attack. If you know you need open heart surgery but haven’t had a heart attack, then this policy will not pay you.
Following a diagnosis, your insurance carrier will pay your policy’s lump-sum payment directly to you or any insured person on the policy. The money will not go to your primary insurance provider or hospital.
Benefits of Working with Ensurem for your Health Insurance Needs
When it comes to finding the best cancer, heart & stroke insurance, especially in relation to supplemental Medicare insurance, there are countless reasons why partnering with Ensurem is a smart decision. As experts in the field, Ensurem holds a wealth of knowledge about health insurance, critical illness insurance, and stroke insurance policies.
Their agents, praised for their approachability and expertise, work tirelessly to find a health insurance policy that fits your needs. They have a keen understanding of what stroke insurance covers and how stroke insurance works, allowing them to provide you with a comprehensive stroke insurance policy.
Ensurem has an excellent reputation, as evidenced by their stream of positive reviews. They are highly knowledgeable about a variety of critical illness policies, including Aflac critical illness insurance and other critical illness insurance policies.
The benefits of working with Ensurem include:
Knowledgeable Staff
Their team is well-versed in the complexities of insurance policies, including those related to critical illnesses like cancer, heart disease, and strokes.
Comprehensive Coverage
They have a deep understanding of what stroke insurance covers, ensuring you're fully protected.
Understanding of Critical Illness Insurance
With a firm grasp on the implications of serious illnesses such as stroke, heart attack, and cancer, they can help you understand the benefits of receiving a lump sum payment upon diagnosis.
Financial Relief
Ensurem understands the financial burden of medical care costs and out-of-pocket expenses. They work to get you a policy with a lump sum benefit, providing financial relief when you need it most. Ensurem can help find the best solution for you to help manage medical expenses.
Support During Difficult Times
If you or a loved one is diagnosed with a critical illness, Ensurem can help ease the financial strain, helping supplement lost income and cover medical bills.
Ensurem can guide you towards policies with maximum benefit amounts, minimizing your financial burden and providing peace of mind. If you're looking for a company that understands the ins and outs of critical illness insurance, Medicare supplement insurance, and more, then Ensurem has you covered.
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