Let’s discuss October and how Breast Cancer Awareness Month is a perfect time to rethink your health and wellness strategies. While everyone knows regular exercise, healthy eating, and stress management are important for maintaining overall wellness, often overlooked is the financial preparation for unforeseen health issues. One of the most proactive steps you can take is to look into cancer plans offered by your employer.
Understanding Cancer Plans
Cancer plans are specialized insurance policies designed to provide financial support if you’re diagnosed with cancer. Unlike typical insurance plans, they focus solely on cancer-related expenses, ensuring that you have the resources necessary for treatment, recovery, and other associated costs.
What makes these plans particularly appealing is that they offer benefits even if you don’t have an immediate cancer diagnosis. For example, they often subsidize the cost of essential screenings like mammograms—crucial for early detection and prevention.
Why Cancer Plans Are Important
1. Financial Support: Cancer plans can cover a range of costs from treatments and hospital stays to everyday expenses that arise when you’re unable to work.
2. Peace of Mind: Knowing you’re financially prepared can reduce the stress associated with potential cancer diagnoses, allowing you to focus on your health and recovery rather than worrying about bills.
3. Preventative Care Benefits: Most importantly, cancer plans include a wellness benefit to encourage participation in annual screenings. While the amount of your wellness benefit will vary by plan and carrier, be sure to get these lifesaving screenings and submit your claims timely each plan year. Doing so means you maximize the value of your plan while contributing to your overall wellness strategy.
The Role of Screenings in Cancer Prevention
October’s focus on breast cancer awareness serves as a reminder of the importance of regular screenings. Mammograms, for instance, are a critical tool for early breast cancer detection. A cancer plan can provide a financial award while promoting adherence to annual check-ups.
How to Take Action
- Check Your Benefits: Contact your Human Resources department to see if a cancer plan is available through your employer on a payroll deduction basis. This could be an easy, manageable way to integrate this protective measure into your wellness strategy.
- Stay Informed: Follow us on Facebook and LinkedIn for the latest updates on health, wellness, and employee benefits.
Final Thoughts
Taking charge of your health involves more than just physical fitness—it’s about being financially prepared for any health challenges that come your way. Cancer plans are a valuable addition to your wellness toolkit, offering peace of mind and critical support when you need it most. This October, take a step toward securing your future by considering a cancer plan. Your health and well-being are worth it.
Common Cent$ Tips:
Cancer plans are generally unique in that they typically provide a cash award for preventive care. Some can be up to $100 per eligible person on your plan. This in essence reduces the cost of the plan making it even more affordable coverage and giving you peace of mind. Make a note in your calendar to get an eligible screening and submit your claim each year as you will not receive a reminder. You will do something good for yourself and reward yourself at the same time!
