Should You Purchase Cancer Insurance?

Should You Purchase Cancer Insurance?

Every year, billions of dollars are spent on cancer care in the United States. Cancer is one of the most costly diseases, cancer care typically costs an individual roughly $100,000 per year. According to the American Cancer Society, one of every two men and one of every three woman will develop some form of cancer in their lifetime. Cancer insurance can be a savior for those that have been diagnosed with the disease.

Doesn’t Health Insurance Cover Cancer?

Unless otherwise stated, health insurance does cover some costs associated with cancer. Health insurance may cover preventative screenings, diagnostic tests, doctor visits, and certain types of therapies. However, the treatment methods that are covered may be limited and only certain physicians and specialists may be considered “in network.” Health insurance will also only cover a percentage or portion of costs as specified in the policy, up to a previously agreed upon maximum.

How Does Cancer Insurance Work?

Cancer insurance works a little differently than most other types of insurance. While a monthly or yearly premium must be paid as with other types of insurance, the benefits are paid directly to the policy holder in the event of a cancer diagnosis. This allows the policy holder to decide how to spend the money paid out. This can be very helpful if the health insurance policy maximum is exceeded.

Cancer Insurance Benefits

Once cancer insurance benefits have been received, policy holders can use the money as they see fit. This is a definite advantage over simply relying on health insurance, as patients can opt to participate in clinical trials, see leading experts, and experiment with homeopathic remedies – all of which would not be covered by typical health insurance policies. Patients may also utilize benefits to help pay for travel costs to medical appointments, lodging, and daily costs of living as needed or desired.

Who Needs Cancer Insurance?

Cancer insurance can be helpful for people of all ages and walks of life, as cancer can affect anyone. Those who have previously been diagnosed or treated for cancer and those that have been regularly exposed to known cancer causing agents may be particularly susceptible to developing cancer, so it may be prudent to purchase cancer insurance. A family history of cancer may also indicate a genetic predisposition to cancer.

Purchasing Cancer Insurance

Cancer insurance is generally much cheaper to purchase than health insurance. Purchasing cancer insurance in addition to health insurance may only raise monthly or yearly premiums by a small amount and may even be available at a discounted rate when purchased through the same company. A qualified health insurance agent can help you decide whether cancer insurance fits your needs and budget.

Contact the Blue Store to speak to a professional and review cancer insurance options.

Take Care of Your Dental Health for Best Overall Health

Take Care of Your Dental Health for Best Overall Health

Most people know that they may develop cavities and other oral issues as a result of poor dental health. However, the fact that poor oral care can lead to more serious conditions is often overlooked. Unfortunately, many people do not take care of their teeth as well as they should and do not visit the dentist every six months. If you know that you are one of these people, the following are a few factors that might help motivate you to get it together.

Gum Disease is linked to Many Health Conditions

People with gum disease are about twice as likely to die from a heart attack. The risks for strokes, heart disease, and high blood pressure also increase. Additionally, rheumatoid arthritis, osteoporosis, and respiratory condition rates have also shown to be much higher among people with gum disease. The mouth serves as a gateway that guards the body from bacteria and other harmful microbes. When the mouth is not taken care of, the body may begin to suffer.

Good Oral Health Can Improve Many Aspects of Life

If you do take good care of your teeth and gums, it can have a resounding positive impact on your life. Having beautiful white teeth and great smelling breath can help to give you more confidence when talking and smiling. A boost of confidence and an improved appearance can help you in work, relationships, and many other areas. Brushing and flossing are not arduous tasks when you perform them regularly and you may even begin to look forward to the way your teeth feel after a good cleaning.

Dental Insurance Makes Dental Visits Painless

Dental insurance plans are relatively inexpensive and most plans allow you to visit the dentist twice a year for preventative work completely free of charge. If you attend these visits regularly for cleaning and examinations, your chances of having dental related issues decreases greatly. Dental insurance can also help you to cover any larger dental issues that do arise without breaking the bank. In some cases, visiting the dentist may help with spotting medical issues that you may not have identified otherwise.

Dentists May Provide Oral Care Tips

If you do begin to visit he dentist regularly and start taking care of your teeth, your dentist may be able to provide you with some tips to make oral care easier. For instance, you may have closely set teeth that make flossing difficult. The dentist may recommend a water pic or a specific type of toothbrush that can easily get between tightly set teeth. By regularly seeing the dentist, you may find that oral care becomes much easier.

To find a dental insurance plan that can help you take better care of your teeth and gums, call Blue Store today!