Federal Employees: Get Extra Cancer Insurance Now!

Why Federal Employees Need Extra Cancer Insurance

No one ever expects to get cancer. But every year, thousands of federal employees face this life-changing diagnosis. While your Federal Employees Health Benefits (FEHB) plan covers many medical costs, it won’t cover everything. That’s where supplemental federal cancer insurance comes in.

This extra coverage helps pay for things like:

• Deductibles and co-pays
• Experimental treatments
• Travel for medical care
• Household bills while you’re out of work

Cancer treatment is expensive. If you don’t plan ahead, it could drain your savings fast. Let’s explore why you need this extra protection and how it works.

Doesn’t My FEHB Plan Cover Cancer?

Yes, but only some costs. FEHB covers hospital stays, chemotherapy, and radiation. However, there are out-of-pocket costs that your regular insurance doesn’t cover.

For example:

• Lost Income – If you need time off, FEHB won’t pay your salary.
• Travel Costs – If your best treatment option is in another state, you’ll pay out-of-pocket.
• Experimental Treatments – Some advanced cancer treatments are not covered by FEHB.

Without supplemental cancer insurance, these expenses can add up fast.

What Is Supplemental federal cancer insurance?

A supplemental cancer insurance policy gives you extra cash benefits if you’re diagnosed with cancer. These benefits are paid directly to you, so you can use the money however you need.

Here’s what a typical policy covers:

✅ Lump-Sum Payments – Get a large, upfront payment when diagnosed.
✅ Daily Hospital Benefits – Cash for each day you’re in the hospital.
✅ Treatment Reimbursements – Coverage for radiation, chemo, and surgery.
✅ Travel & Lodging – Help with hotel stays and flights for treatment.
✅ Lost Income Protection – Monthly payments if you can’t work.

Unlike FEHB, this money is yours to use however you need. You decide how to spend it.

How Much Does Cancer Treatment Cost?

Cancer care is expensive. Even with health insurance, patients often pay thousands out of pocket.

Here are some average costs:

With good insurance, the financial burden is high. Supplemental cancer insurance helps fill the gaps.

How Do You Get This Supplemental federal cancer insurance?

As a federal employee you may not realize you can enroll in a supplemental cancer insurance policy at any time. It’s not part of FEHB, but you can purchase it through a private provider.

Steps to Get Covered

1️⃣ Check Your Current Benefits – Look at your FEHB plan to see what’s covered.
2️⃣ Compare Plans – Look at different supplemental cancer policies from insurance providers.
3️⃣ Pick the Right Plan – Choose a policy that fits your budget and health needs.
4️⃣ Enroll & Get Covered – Once approved, you’ll have extra protection in place.

Don’t wait until it’s too late. Cancer insurance is affordable when purchased early.

Who Should Get This Insurance?

You may need cancer coverage. If you fall into these groups, it’s worth considering:

🔹 Single parents – Protect your children’s future.
🔹 Close family history of cancer – If cancer runs in your family, coverage is a smart move.
🔹 High-deductible health plan (HDHP) users – If your FEHB plan has high out-of-pocket costs, this can help.
🔹 Those with limited sick leave – If missing work means lost pay, extra cash benefits will help.

You need to think about your financial situation. Could you afford months of treatment without financial stress?

Get Protected Before You Need It

The best time to buy supplemental cancer insurance is before you ever need it. Once you’re diagnosed, it’s too late to get covered.

A small monthly payment today could save you thousands in the future. If you’re a federal employee, explore your supplemental options now. Your financial health depends on it.

Supplemental federal cancer insurance is available from The Benefit Coordinbators. It gives you peace of mind, knowing that even during tough times, your income is protected.

Take the first step today. Visit the Postal Disability Coverage website or contact The Benefit Coordinators to learn more about your options.