6 Absolute Costs to Pay Attention to During Cancer Treatment
While everyone's situation will be different based on your particular health insurance plan and coverage, you will still have some out-of-pocket expenses for your doctor appointments. Insurance will probably cover a certain amount of the cost of these examinations and check-ups, but you will likely have to pay a co-payment (co-pay) each time you visit the doctor.
The amount of the co-pay will be set by the insurance provider, not your doctor's office. In most cases, you will need to pay more than your co-pay until you have met your deductible. Once you have reached your deductible, your insurance may cover more of your expenses.
Also, keep in mind that many lab tests, such as blood tests, urine tests, and imaging tests, are usually billed separately, so those may have additional costs that you will have to pay out of pocket.
Most insurance plans have an out-of-pocket maximum, which is a maximum you will be required to pay out of pocket per year. After you have met that amount, covered services will usually be covered at 100 percent, meaning you won't have to pay any more co-payments.
In combination with your doctor visits and treatment times, don't forget to budget for the gas, parking fees, and other possible expenses that you will have to pay for to go to these appointments.
Also, if you have to go to another town or state for your cancer treatment, you will have to add in costs for a hotel room and food. You can help prevent some of these costs from adding up by planning ahead and maybe staying with a friend or relative. In some places, they may have free housing through organizations like the Ronald McDonald House or other facilities that provide boarding for families of those going through cancer treatment.