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Pre-existing conditions and critical illnesses like cancer no longer exclude Americans from having affordable health insurance. However, even with health insurance, the unexpected costs of cancer can put a financial strain on any family. Thankfully, there are supplemental health insurance plans geared towards cancer that could help you protect your finances. But who should consider cancer insurance? And what affects cancer insurance rates?

Who should consider cancer insurance?

Everyone has been affected by cancer, either personally, through a friend, or through a family member. It’s never clear who will get cancer, but it’s always a good idea to protect yourself against the costs. Individuals with a family history of cancer should also consider supplemental cancer insurance. Certain shared risk factors are common in families, like smoking or obesity. In a very small percentage of families, abnormal genes passed on from previous generations can also cause cancer.

If you have already been diagnosed with cancer, receiving cancer insurance rates may not be as useful. These types of supplemental plans can exclude individuals based on an existing diagnosis.

What affects cancer insurance rates?

Usually, there are only a few factors that will affect the monthly rate:

  • Age
  • Gender
  • Policy Choice
  • Chosen Benefit Level

How do you find affordable cancer insurance rates?

There are several ways you can find affordable cancer insurance rates, but one can be more convenient than the rest.

  1. You can research your options online. By searching your options, you may be able to gather a list of rates and compare prices.
  2. You can call health insurance companies and see if they offer supplemental cancer insurance. Collecting comparisons may be time consuming.
  3. You can find a licensed agent to compare cancer insurance costs for you. Agents, like those at HealthMarkets, come at no cost to you and may save you valuable time.

If you are interested in a supplemental cancer insurance policy, contact a local, licensed agent to conveniently compare cancer insurance rates or call us at (800) 360-1402.

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Sources:

http://www.cancer.org/cancer/cancercauses/geneticsandcancer/heredity-and-cancer
http://agents.healthmarkets.com

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