Ten Tips to Maintain Financial Health During and After Cancer

Ten Tips to Maintain Financial Health During and After Cancer

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.)
  6. 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.
  7. 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
  8. 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.
  9. Consider other of income: retirement accounts, available credit, personal loan, cashing in life insurance policy, sale of real estate or personal property.
  10. 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.
Physical Activity Can Make a Difference

Physical Activity Can Make a Difference

We are told over and over again about the benefits of physical activity, but many of us find lots of excuses not to do it, or not to do it consistently anyhow. Kudos to the many rockstars that embrace it and engage in some sort of activity on a consistent basis – please motivate us! Physical activity impacts many aspects of our lives and can help improve your mood, your sense of well-being and improve endurance while helping with depression and fatigue. Studies suggest that physical activity may help to prevent/reduce the risk of a secondary cancer later in life and/or lower the risks of other cancers. So, go enjoy the cooler temps of fall and get moving. (If you are in Tucson join Bag It for our annual Take a Hike at Catalina State Park on October 27th) Physical activity includes walking, swimming, cycling, gardening and other activities that keep you from sitting or remaining sedentary for long periods of time – even dancing! It is always important to consult with your healthcare team, especially if making major changes to your activity or if you are in or recently completed (cancer) treatment. This doesn’t mean you can’t move and research shows that physical activity during and after treatment can actually help. Talk with your doctor and other healthcare team members about your physical activity. They can provide guidance and help you find exercise resources.

How will physical activity improve my health?

What type of activity should I do? How often and for how long?

Is it safe to exercise during cancer treatment?  

Should I avoid certain exercises?

What resources are available to me?

Making the Most of Appointments

Making the Most of Appointments

None of us have as much time as we’d like when we see the oncologist, primary care physician, or any member of our healthcare team. Maximize those precious few minutes and make the most of your visits with these hacks:

Before you go: 

    • Prepare for the appointment at least a few days in advance. Complete any online research you want to do (Our Resource Center has reliable cancer websites).
    • Use My Appointment Summary Log (found in My Companion Guidebook)
    •  to organize what you need to bring and discuss, where and when you are going.
    • Write down your questions (use the small journal or sheets provided). 
    • Leave room to write down the answers you are given.
    • Prioritize your top 3 questions to ask the doctor. (Other members of the healthcare team can answer or obtain answers for the other questions for you).

” I still use the bag…it is a Godsend, I am always using it. It has taught me to always take notes, whenever I have a question for ANY doctor I write the question and answer down. I use it as a reference for dates and other information regarding any of my medical history.”

At the visit: 

  • Bring someone with you. Let them know how they can help you: extra set of ears, take notes, give info you may have forgotten.
  • Good communication with your healthcare team is key! Click here for tips
  • Consider recording the visit (ask permission first) to replay it at a later time.
  • Bring your Bag It My Companion Guidebook or appropriate pieces within to refer to questions, forms and logs you prepared. Write down the answers and other info given to you so you don’t have to try to remember it.
  • Ask for copies of your reports, labs, information from the visit. Add them to your notebook.

Click below for questions to ask your healthcare team from Paths to Survivorship booklet.

Is There A Doctor (Google) In The House?

Is There A Doctor (Google) In The House?

Is there a doctor (Google) in the house?

Most of us immediately want to search online when facing a cancer diagnosis. The internet can be a good source of reliable and helpful information. At the same time, unfortunately, fake medical news and misinformation spreads further than the truth – and can lead to serious consequences.

Best Practices for Internet Research:

  • First ask your health care team for trusted websites they recommend for you.
  • Visit Bag It’s resource center to find over 150 resources on all cancer topics.
  • Websites from these organizations are generally reliable:
    • Government agencies (web address ends .gov)
    • Major cancer centers (web address often ends .org)
    • Medical schools and universities (web address ends .edu)
    • Large nonprofit organizations (web address ends .org)
  • Look for easy-to-read information written by medical professionals.
  • Check more than one source for the same information to verify that the results are the same.

Things to consider when evaluating a website:

  • Be critical – is the content objective and free of opinion?
  • Who sponsors the site and its content? Who wrote the content and what are their credentials? Who approved it? Reading the “About Us” and “Who We Are” pages can be insightful.
  • What is the source of the information presented? Particularly if scientific in nature, was the content written within the last three years and is it supported by the scientific literature?
  • Be aware that information on sponsored websites or .com websites may be biased or have a conflict of interest, though the information could still be reliable (such as a drug company’s site)
  • Think carefully before sharing personal/health information in online communities. Does the community safeguard your privacy? Refer to the privacy policy, if any.

Remember that the internet is not a substitute for professional medical care and advice. Discuss any information you find with your health care team to help you determine if it is right for you.

Friend of Bag It Becomes Fly On The Wall

Friend of Bag It Becomes Fly On The Wall

By Friend of Bag It

Recently, my older widowed neighbor was diagnosed with cancer. She was shocked by her diagnosis and knew nothing about cancer because “no one in the family had cancer.” I offered to accompany her on her upcoming appointments as another pair of ears and a scribe. This began a journey where I learned, first-hand, how hard it is to manage this diagnosis, and how incredibly important the right tools and the right information can be. I knew how her soon-to-be-received bag could help Mary and her family through this difficult time, and that put a smile on my face. The solid cancer information found in the printed pubs and reliable cancer websites found in the resources section of the binder and Bag It’s website will help them navigate during and after treatment.

Einstein Quote

On appointment day we had to arrive 30 minutes early for Mary to deal with the sheaf of paperwork that greeted her. Her cancer pain visible on her face, it was a struggle for Mary to fill out her extensive medical history from memory. While Mary had received a full printed list of her meds from her smart PCP, she could not find it in her wallet. As I sat there watching her try to recall all the names and doses of the meds she took, I visualized how much easier and less stressful it would have been for Mary if she could have just copied all of her personal medical information from the pre-filled forms in her Bag It binder onto the provider’s forms. Ten minutes tops. As it turned out the forms were incomplete when we were called into the exam room 45 minutes later. The MA filled in some of the gaps. The kind doctor confirmed the cancer diagnosis, specifying the location, stage and grade of the tumor. It was described as an “aggressive” cancer, and surgery was necessary. A sentinel node biopsy would determine the extent of the surgery. The need for chemotherapy and/or radiation would be known after the full pathology results were in. The doctor spoke in a straightforward manner that provided the basic facts without much elaboration. Things moved quickly as surgery timing and next steps were discussed. Mary posed one or two questions about post-op home care needs but nothing about her cancer or treatment – she didn’t know what to ask.

Since then, I think about all the ways Mary could have benefited from receiving a Bag It bag at the initial time of diagnosis or during this early appointment. From the forms, calendars and glossary of basic cancer terms in the navigation binder to the printed pubs with tips on how to prepare for appointments/questions to ask about diagnosis/treatment, ways for patients and families to cope with their diagnosis, how to be an active member of their health care team, and so much more. The Bag It resource center on the website offers more than 150 reliable sites for patients and their families to find credible information and resources right when they need it. Topics include cancer types, clinical trials, side effects, supportive care/emotional support, caregivers and family resources, insurance, and financial assistance, legal rights, advance care planning, and survivorship. Check it out These advantages also serve the healthcare team as Mary would have the tools and knowledge to be more prepared, organized, and better informed. By using her Bag It bag Mary would ideally take a more active role in advocating for herself and likely improve her quality of life as a result. The early window of opportunity to provide a Bag It bag can easily be missed for a variety of reasons but remember it is helpful at any point in the continuum of care and for any type of cancer.