Cancer Insurance Leads

Agents hunting for cancer insurance leads should be updated on cancer insurance facts in order to best assist interested consumers needing affordable cancer insurance.

An American Cancer Society (ACS) nationwide study found that uninsured people as well as those who only avail of Medicaid coverage are more likely to receive a late-stage cancer diagnosis than privately insured individuals.

Getting a late-stage cancer diagnosis is oftentimes fatal. The study’s authors say that a lack of health knowledge and an insufficient number of providers are at the root of this problem. Previous studies report ties between the stage of diagnosis and insurance status of some cancers – recent research found 3.7 million patients getting diagnoses from 1998 to 2004.

The study reveals that the biggest differences were seen in cancers with existing procedures for early detection and diagnosis of symptoms. Such cancers include colon cancer, lung cancer breast cancer, and melanoma. Uninsured patients suffering from these cancers found themselves three times more likely to get a Stage III or IV diagnosis as opposed to Stage I.

The study’s authors conclude that “individuals that do not have private insurance are not getting the best care in terms of timely diagnosis or cancer screening and follow-up with providers of health care.” In addition, they say that advanced-stage diagnosis “leads to a lesser quality of life, increased morbidity, and decreased quality of life, survival, and increased costs.”

“There’s good evidence that not having insurance can increase suffering,” says Dr. Otis Brawley, chief medical officer of the American Cancer Society.

Agents can be the People they go to for Cancer Insurance

More and more people find themselves dealing with cancer, and finding affordable care is very important. These people need agents who can provide them with quality and reasonable service in cancer insurance.

The Kaiser Family Foundation (KFF) and the ACS says that cancer patients can end up running large debts from paying off the expenses for life-saving care. The report focuses on twenty patients, highlighting the potential problems in providing affordable health insurance for people diagnosed with serious ailments such as cancer or other medical issues.

Even patients availing of private health insurance when they were diagnosed can still face major costs, leading to large debts incurred from funding the cost of treatments. These debts ultimately delay their needed treatments and they end up in a vicious cycle.

According to Drew Altman, KFF’s President and CEO said that in this study, the life stories of people with cancer show … that the insurance system quite often fails to provide people with coverage when it is most needed, “when they get really sick”. Agents should take this to heart and they should look for cancer insurance leads that they can give affordable coverage to, for those who need it.

The study focuses on five important defficiencies in the health care system:

High cost sharing and caps on benefits – customers are likely to go into debt when their treatment expenses top their policy’s annual limit. Employer-sponsored coverage is not enough to protect workers from exorbitant health care costs should they ever fall ill enough to abstain from work.

Cancer patients and survivors often cannot find affordable and adequate coverage in the individual market. They are unable to find High risk-insurance pools, and some find it difficult to meet the set premiums. Waiting periods, strict eligibility restriction and application delays for public programs leave people who are often very sick to work without a reasonable insurance option.

For more information about cancer insurance visit us at <http://family-insuranceleads.com>. Contact any of our lead consultants if you’re interested in purchasing cancer insurance leads.