Get Cancer Insurance Now

When you hear the word “cancer,” it can feel overwhelming. But being prepared makes all the difference. As a federal employee, you have access to insurance options that can ease the financial burden if cancer impacts your life. This blog breaks it all down in simple terms.

What Is This Type of   Insurance?

This insurance is a type of supplemental insurance. It helps pay for costs that your regular health insurance won’t cover if you’re diagnosed. These costs might include:

• Deductibles and copays
• Travel for treatment
• Experimental therapies
• Household bills while you’re out of work

Unlike standard health insurance, cancer insurance gives you a lump sum of money. You can use it however you need.

Why Cancer Insurance Is Important

Treatment can be expensive. Even with health insurance, many federal employees face costs they didn’t expect. For example:

• Travel to specialized centers adds up quickly.
• Experimental treatments may not be covered.
• Daily living expenses don’t stop during treatment.

With cancer insurance, you have peace of mind. It helps you focus on getting better without worrying about money.

Who Needs This Insurance the Most?

Cancer insurance isn’t just for older people. It’s for anyone who wants to be financially prepared. You may want to consider it if:

• Cancer runs in your family.
• You’re the main breadwinner in your household.
• You’d struggle to cover large medical bills.

We offer federal employees plans to help them qualify for group rates, which make cancer insurance affordable.

How Does This Insurance Work for Federal Employees?

Federal employees can often buy cancer insurance through their benefits package. Here’s how it typically works:

1. Choose a Plan – Look at your options during open enrollment.
2. Pay a Monthly Premium – This is a small cost compared to what the plan can pay out.
3. File a Claim if Needed – If you’re diagnosed with cancer, submit a claim to receive your lump sum.

The payout can help with both medical and non-medical expenses.

How Much Does It Cost?

The cost depends on your age, health, and the plan you choose. Most federal employees pay between $20 and $50 per month. That’s less than a daily cup of coffee.

This small cost can save you thousands if an incident occurs.

Real-Life Benefits of This Insurance

Imagine this: Sarah, a federal employee, was diagnosed with breast cancer. While her health insurance covered treatment, she used her insurance payout to:

• Pay her mortgage during time off work.
• Travel to see a specialist.
• Cover daycare costs for her children.

Without this insurance, these costs would’ve drained her savings.

How to Get Cancer Insurance

It’s easy to get started:

1. Check Your Federal Benefits – Visit OPM.gov for information about your options.
2. Compare Plans – Look at the coverage and costs.
3. Sign Up – Add cancer insurance during your benefits enrollment period.

For more tips, check out resources on NAFEB.org.

FAQs

Is this insurance worth it if I already have health insurance?

Yes! Health insurance doesn’t cover everything. This insurance fills in the gaps.

Can I use the payout for non-medical expenses?

Absolutely. Use it for bills, groceries, or anything else you need.

Does cancer insurance cover all types of cancer?

Most plans cover all types, but always read the fine print to be sure.

Take Action Today

This insurance is a small investment that can make a big difference. Don’t wait until it’s too late. Review your options, talk to the folks at The Benefits Coordinators, and sign up for cancer insurance today.