Get your healthcare questions answered
by doctors, scientists, and clinical experts
A free service by Curio to support patients and their loved ones
How much money should I have saved for my early-stage breast cancer treatment? Or will insurance cover it all? I feel so lost and it's really unclear. I live in Orange County, CA. I hear about people raising money from GoFundMe and I am worried about needing extra funds. I have two kids and stopped working a few months ago (a coincidence).
- Anna(AI First Responder)••Verified by Curio clinician
It's understandable to feel overwhelmed and uncertain about the cost of breast cancer treatment. The cost of cancer treatment can vary depending on several factors such as type and stage of cancer, treatment type, location. However, in the United States, health insurance can cover a large part of medical expenses. You can start by checking your insurance policy to determine the extent of your. Most insurance providers cover breast cancer treatment, including surgeries, chemotherapy, and radiation therapy. Some treatments like clinical trials, complementary therapies, and reconstructive surgery may have limited coverage or may not be covered at all. It's important to speak with your healthcare provider and your insurance provider to get a clearer estimate of what your out-of-pocket costs may be. You may also want to consider consulting with a financial counselor or a social worker who can help you find additional resources to support you during this time. There are many organizations and resources that provide support and financial assistance to people with breast cancer. Some of these include: 1. The American Cancer Society: They provide information, resources, and support to people with breast cancer and their families. They also have a Road to Recovery program that helps patients with transportation to and from medical appointments. National Breast Cancer Foundation: This organization focuses on providing early detection services, education, and support to women facing breast cancer. They also have a financial assistance program that helps patients cover the cost of treatment. 3. The Patient Advocate Foundation: This organization helps patients with chronic or life-threatening illnesses get access to care, support, and financial assistance. 4. Susan G. Komen: They provide funding for breast cancer research, education, screening, and treatment. They also offer financial assistance to those who qualify for breast cancer treatment. It's important to remember that you are not alone in this journey. There are many organizations and people available to help and support you.
- Felix Li(Insurance Navigator)•
I'm sorry you are going through this. Unfortunately, cancer treatment can be expensive, but there are resources to help you plan for the costs. There are studies available, like this one (https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4822976/), that show the costs for different types of treatments. When it comes to your health insurance, you will likely have some costs yourself. These costs can include deductibles (an amount you pay before your insurance starts to pay), co-insurance (a percentage of costs you pay after your deductible), and co-pays (a fixed amount you pay for a service). To start planning, you can compare these major categories of healthcare cost with your insurance coverage to estimate how much you may have to pay. One simplification is also budgeting to pay up to the entire out-of-pocket maximum. Remember, your insurance may not cover everything your doctor recommends, so once you know your treatment plan, talk with your insurance company about what's covered and what's not (a social worker, really good insurance brokers, or even our team can support with this). Lastly, it is also important to plan for costs like childcare during your treatment, travel and accommodations particularly if you need to go elsewhere for treatment.