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Post by iamkristinl16 on Jul 3, 2019 0:42:01 GMT
I've thought about getting the Aflac cancer policy due to my family history. If you have it and already had cancer, I would keep it.
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Post by mrgiedrnkr on Jul 3, 2019 1:10:05 GMT
If I had it, I would not cancel. I was 42 and had stage 1 colon cancer. I now face the fact that I will probably get it again and already having it, I would probably be denied any insurance like that. Stacy
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Deleted
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Oct 6, 2024 5:25:46 GMT
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Post by Deleted on Jul 3, 2019 1:52:12 GMT
A good friend had melanoma on her face arms and legs, was treated , no sign of melanoma. Five year check up? It is now in her lungs.
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Post by Crack-a-lackin on Jul 3, 2019 2:04:08 GMT
Aflac is very expensive and you’d probably do better investing that money and self-insuring yourself.
For those who aren’t familiar, this is not health insurance. It’s additional insurance that gives you a little extra money in certain situations. It can be helpful in certain situations, and there are a variety of different plans. A coworker had his appendix removed and got $125. That’s great, but he’s had it for 10+ years and that’s the only payout on a plan that costs probably $700/year.
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Post by elaine on Jul 3, 2019 2:36:48 GMT
Aflac is very expensive and you’d probably do better investing that money and self-insuring yourself. For those who aren’t familiar, this is not health insurance. It’s additional insurance that gives you a little extra money in certain situations. It can be helpful in certain situations, and there are a variety of different plans. A coworker had his appendix removed and got $125. That’s great, but he’s had it for 10+ years and that’s the only payout on a plan that costs probably $700/year. That is NOT true of AFLAC Cancer Policies. They are a very different policy that covers medical costs, including doc visits, chemo, prescriptions, hospitalizations, etc., just like regular health insurance. You might want to take a look: dchr.dc.gov/sites/default/files/dc/sites/dchr/page_content/attachments/Cancer%20Care%20Brochure.PDF
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Post by scrapbookwriter on Jul 3, 2019 4:58:55 GMT
My sister in law had breast cancer. After several years in remission she obtained a cancer policy. Her breast cancer returned and she ultimately died from breast cancer.
I submitted claims on the cancer policy for her family. She had several hospitalizations and countless doctor visits. They paid exactly what they said they would - $X per day of hospitalization, $X per doctor visit, etc. All together the policy paid out less than $2,000, far less than the premiums she paid in.
I think cancer policies are a racket. Not that I’m opinionated or anything.
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SweetieBsMom
Pearl Clutcher
Posts: 4,741
Jun 25, 2014 19:55:12 GMT
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Post by SweetieBsMom on Jul 3, 2019 12:08:52 GMT
Cancer is f'ing expensive. DH fought it for 7 years before succumbing in February. He'd have chemo every other week....it was something like $25k a treatment, I mean we hit our deductible, for the year, after the first treatment of the year. I'm extremely lucky that I have good health insurance through work. I'm also the bread winner but we took a hit when he stopped working and went on SSDI (which was less than half of his pay). I worked 2 jobs and the second job the paycheck went directly to Dana-Farber so I could keep up with the bills.
I would suggest you read your policy carefully and see exactly what is covered and what isn't. Because, honestly, every little bit helps.
I hate insurance companies. My Dad paid for long term care insurance with John Hancock for YEARS. When he was in assisted living they didn't cover anything because he wasn't dependent enough. Even after he lost his leg, nope. They were just going thru our 4th appeal when he passed in May. I was LIVID. So basically, this man paid you something close to $100k in premiums and you played the waiting game and you won. I will NEVER purchase long term care insurance after this. I will fund my own.
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Deleted
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Oct 6, 2024 5:25:46 GMT
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Post by Deleted on Jul 3, 2019 13:55:50 GMT
Aflac cancer ins is expensive. whether you keep it or not, your choice.. Unrelated to your situation... freebird do not use this as a good reason to keep the Aflac cancer policy, or not............. My friend has retired to Florida, although she is from NJ. Diagnosed with kidney cancer in FL. They wanted to remove her kidney. She called me on a Wed for a urologist, she flew up on Thurs and saw the kidney/cancer surgeon at the Rutgers Cancer Institute of New Jersey on Friday in 2014. (She had contained, within the kidney, chemo) She still has her kidney, but she does fly up every 6 months to a year and the surgeon goes in a checks everything out. She stays with family when she comes up, otherwise Aflac would pay her hotel. They do pay for her flights for treatments, hospital etc. Her Aflac was well worth it. but situation was very unique! You have all heard about the DH of @bergdorfblonde . Medical care in some areas of FL is not so good! For DH, medical care here in SWFL has been awful. He is a Veteran, but waiting for appointments via the V.A. sometimes takes months. His Medicare plan thru Humana (HMO) is awful. You could only use the doctors within their 'bubble' and they're usually TERRIBLE. On the other hand, I have the same plan and have fought hard to get outside surgeons included since my plan had no one capable enough to handle my case. That's where we're at with DH (bladder cancer - all doctors thusfar say he's not a candidate for bladder removal surgery due to his other health issues). Aflac sounds like a great plan (if affordable).
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Post by revirdsuba99 on Jul 3, 2019 15:26:16 GMT
Aflac sounds like a great plan (if affordable). Well, my friend is covered the same as I am.. Medicare, primary with secondary Horizon. The difference is she has the Aflac for the cancer diagnosis. I am not sure what medical bills they pay, although someone above said they cover doctors etc. All I know is she gets her treatments up here. Up here we both go to doctors/hospitals that accept our coverage as full payment. Well with Horizon I have $5.00 co-pay.
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Deleted
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Oct 6, 2024 5:25:46 GMT
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Post by Deleted on Jul 3, 2019 15:50:46 GMT
Aflac sounds like a great plan (if affordable). Well, my friend is covered the same as I am.. Medicare, primary with secondary Horizon. The difference is she has the Aflac for the cancer diagnosis. I am not sure what medical bills they pay, although someone above said they cover doctors etc. All I know is she gets her treatments up here. Up here we both go to doctors/hospitals that accept our coverage as full payment. Well with Horizon I have $5.00 co-pay. Thanks! We both have to get out of HMO-Humana---right now I'm waiting for a stupid pre-approval to see my eye surgeon (whom I've gone to for 2 years now!) for a checkup. I have an appt at 2:30 in Tampa. Takes almost an hour to get there........ and I'm still waiting to see if my eye dr's office got it yet (they're still being persistent with my stupid primary thru Humana HMO). Ready to just go to straight Medicare and maybe an inexpensive secondary (since they take out the $99 for my Humana anyway!)..... the Aflac sounds great for DH if we could afford it. Best wishes to you & your friend!
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Post by revirdsuba99 on Jul 3, 2019 16:09:30 GMT
the Aflac sounds great for DH if we could afford it. Best wishes to you & your friend! He cannot get it............. And thank you!
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