Supplemental Cancer Insurance Policies

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Purgatory
Elite Member


Date Joined Oct 2008
Total Posts : 25364
   Posted 2/7/2009 6:43 PM (GMT -6)   
Reading the thread on the life insurance topic today, reminded me of one good fortune that happened in my case with the PC.  For years, my wife insisted on keeping this Aflac Cancer policy on the both of us, didn't cost her much a month, and she forgot all about it till about a month after my PCa dx.
 
It pays direct to us, not to the drs, hospitals, etc, for "out of pocket" expenses.  So far, including my dx, surgery, 4 days in the hospital, has paid to us over $5,000 and still more to come.  Not much perhaps, but it has helped us get by with all of this.
 
I also considered most of the supplementary insurances to be a waste of time and money, this is one time I am glad my wife didn't listen to me.
 
David in SC
 
P.S>  Much to my amazement, they actually pay fast, we got a recent large check 5 days after my wife faxed  them the paperwork.
Age 56, 56 at DX, PSA 7/7 5.8, 7/8 12.3
3rd Biopsy 9/8 Positive 7 of 7 cores pos, 40-90%, Gleason 7
Open RP surgery 11/14/8, Non-nerve sparing, 4 days hospital, staples out 11/24/8, 5th cath out on 1/19/9
Post-surgery Pathlogy Report:Gleason 3+4=7, pT2c, 42 grm, tumor 20%, Contained in capsular, clear margins, clear lymph nodes 
First PSA Post Surgery   2/9/9
 
 


livinadream
Veteran Member


Date Joined Apr 2008
Total Posts : 1382
   Posted 2/7/2009 8:49 PM (GMT -6)   
I am with you on this one David. I to had a cancer policy and heck I even considered canceling it two weeks prior to my diagnosis and my wife talked me out of it. I will say it kept me out of bankruptcy. My advice to anyone is to get a supplemental cancer policy. It is money well spent.

peace and love
Dale
My PSA at diagnosis was 16.3
age 46 (current)
My gleason score from prostate was 4+5=9 and from the lymph nodes was 4+4=8
I had 44 IMRT's
Casodex
Currently on Lupron
I go to The Cancer Treatment Center of America
Married with two kids
latest PSA 5-27-08 0.11
PSA July 24th, 2008 is 0.04
PSA Dec 16th, 2008 is .06
Testosterone keeps rising, the current number is 156, up from 57 in May
cancer in 4 of 6 cores
92%
80%
37%
28%
 


Purgatory
Elite Member


Date Joined Oct 2008
Total Posts : 25364
   Posted 2/7/2009 8:57 PM (GMT -6)   
I agree Dale. Since I am still out of work, since July, and then my PC dx in Sept, it has been a lifesaver, so glad my wife was smarter than me on this one. I am thankful for whatever I have, trust me.

Hope you are faring well.

David in SC
Age 56, 56 at DX, PSA 7/7 5.8, 7/8 12.3
3rd Biopsy 9/8 Positive 7 of 7 cores pos, 40-90%, Gleason 7
Open RP surgery 11/14/8, Non-nerve sparing, 4 days hospital, staples out 11/24/8, 5th cath out on 1/19/9
Post-surgery Pathlogy Report:Gleason 3+4=7, pT2c, 42 grm, tumor 20%, Contained in capsular, clear margins, clear lymph nodes 
First PSA Post Surgery   2/9/9
 
 


Sam Benton
Regular Member


Date Joined Dec 2008
Total Posts : 35
   Posted 2/8/2009 4:35 AM (GMT -6)   

Women just seem to know these things, :-) y wife insisted we get AFLAC cancer converage when it was available and I never thought I would need it. But here I am very thankful that I listened to her. yeah It does pay directly to you and covered my out of pocket expenses. 

Sam Benton


Steve n Dallas
Veteran Member


Date Joined Mar 2008
Total Posts : 4825
   Posted 2/8/2009 6:27 AM (GMT -6)   
Sure wish I had extra insurance...My group health is less then stellar...My total out of pocket was a little over 5 grand smhair  
 
Just did my taxes a few minutes ago... I'll get a whopping extra 200 bucks back on my refund....The $600 stimilus refund check this past summer really helped too rolleyes
Age 53   - 5'11"   205lbs
Overall Heath Condition - Good
PSA - July 2007 & Jan 2008 -> 1.3
Biopsy - 03/04/08 -> Gleason 6 
 
06/25/08 - Da Vinci robotic laparoscopy
Catheter in for five weeks.
Dry after 3 months.
 
10/03/08 - 1st Quarter PSA -> less then .01
01/16/09 - 2nd Quarter PSA -> less then .01
Surgeon - Keith A. Waguespack, M.D.
 


Purgatory
Elite Member


Date Joined Oct 2008
Total Posts : 25364
   Posted 2/8/2009 7:26 AM (GMT -6)   
Sorry you didn't have one, Steve. I wouldn't either had it not been for my wife. When I had my other cancers ending 9 years ago, I guess she remembered how expensive it all was. Hope you will be ok.
Age 56, 56 at DX, PSA 7/7 5.8, 7/8 12.3
3rd Biopsy 9/8 Positive 7 of 7 cores pos, 40-90%, Gleason 7
Open RP surgery 11/14/8, Non-nerve sparing, 4 days hospital, staples out 11/24/8, 5th cath out on 1/19/9
Post-surgery Pathlogy Report:Gleason 3+4=7, pT2c, 42 grm, tumor 20%, Contained in capsular, clear margins, clear lymph nodes 
First PSA Post Surgery   2/9/9
 
 

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