Have a conversation with your health care team about your treatment plan and the expected cost. Talk to your doctor about how cancer treatment could affect your ability to work.
Understand your health insurance coverage. It is vital that you pay your health insurance premiums on time and in full. If you don’t have health insurance, immediately find out if you can obtain a policy or if you qualify for Medicaid.
Meet early with your oncology social worker, navigator or advocate, and be candid about any financial difficulties and other needs you have. They are there to help you manage your cancer care costs.
Be informed about your legal rights and all benefits available to you through your employer: disability insurance, accommodations in your job duties, hours/leave time. Your spouse should do the same with their employer.
Prepare a budget. Organize and keep track of your bills. Verify insurance benefits are correctly applied. (Ask a trusted family member or friend to help you with this.) Appeal insurance claim denials. (Ask a member of your health care team to help with this.)
If you are experiencing financial hardship, explain your situation to creditors and medical providers and ask for their help. You may be able to negotiate a discount or more time to pay your bills.
Tap into the expertise of nonprofits in the cancer community. They can help you navigate resources and find assistance with costs related to treatment, co-payments, prescription drugs, basic needs, transportation, childcare as well as insurance matters and other support services. They can often help you apply. Several organization offer free services from their navigators and social workers: CancerCare, Livestrong, PAN, CSC, CancerCare pub
Look into federal and other programs in your state that can help cover expenses and replace income if you can’t work during and after treatment. Apply quickly if you are eligible for benefits.
Consider other of income: retirement accounts, available credit, personal loan, cashing in life insurance policy, sale of real estate or personal property.
The financial burden of cancer can impact your physical and mental well-being. Asking for help can be hard but allowing others to lend a hand alleviates stress for you and your loved ones and lets your focus on your recovery.
“I was shocked.” This, perhaps not surprisingly, was Sherri Romanoski’s response to being told back in 2000, at the age of 48, that she had breast cancer.
“I was shocked.”
“It hit me hard. I was full of fear,” said Sherri.
Along with that fear can sometimes come a sense of powerlessness—how do I combat a disease I don’t fully understand?—and a lot of questions. What’s my cancer treatment plan? How long will it take? What can I do outside of the doctor’s appointments right now to help make a positive difference? How do I tell my family? What do I share, if anything, at work? What do I do about side effects? How am I going to pay for all these medications?
Check out this podcast on Mrs.Green’s World, as Down to Earth Host, Gina Murphy Darling, talks to Bag it’s Executive Director, Mindy Griffith about the all new Bag It bag and being part of sustainable communities. #BeInformed #BeEmpowered.
Bag It is proud to be recognized in a new blog post by the Cancer Hope Network. Check out their blog post about our newly updated Bag It resources and exciting things to come.
Bag It has just released the newest version of our Bag It Bag, which features updated booklets, and all-new resourced titled Paths to Survivorship, and a new My Companion Guidebook with updated tools and strategies for organizing your information. Be sure to checkout our new Bag It resources.
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