Making Treatment DecisionsPDF, 148 KB
Learning about insurance can be tough, especially during times of stress. However, a step-by-step plan may help you understand your options and decide what is best for you.
The first step is to understand the three types of insurance that are most important for people with breast cancer: health insurance, disability insurance and long-term care insurance.
The next step is to review your current policies to see what coverage you have for each type of insurance.
If you work, start by reviewing the coverage given by your employer. It is a good idea to meet with someone from the human resources department to go over your questions.
If you do not work, you may want to talk about your insurance options with a hospital social worker or another person recommended by your health care provider or treatment center. The hospital may have a financial information office that can offer guidance. You can also talk to a staff member of your state or local health department.
When reviewing your policies, be sure to read the policies themselves and not just the marketing brochures that describe them. An insurance policy is a legal contract that describes your rights and responsibilities, as well as those of the insurer. It deserves the same level of attention as any other legal document.
The final step in making insurance decisions is to find out whether there are any gaps in your coverage. If there are gaps, you may want to consider buying supplemental (extra) insurance or getting help to obtain the coverage you need.
When buying insurance:
When dealing with an insurance company or agent:
Make a folder for each insurance policy:
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