According to the American Cancer Society, roughly 79,000 Americans are diagnosed yearly with kidney cancer. Further, the National Kidney Foundation notes that chronic kidney disease (CKD) – the gradual loss of kidney function — affects roughly 15 percent of the U.S. adult population.
Although kidney cancer and CKD are separate, the two are still linked. “Cancer can cause CKD either directly or indirectly through the adverse effects of therapies, [and] CKD may conversely be a risk factor for cancer,” explains the National Institutes of Health. Kidney cancer and chronic kidney disease often go hand-in-hand. A person’s risk for each illness can be linked with their family history, diet, or lifestyle choices like smoking cigarettes (or Heavy Giulio ). You must get checked out if there are signs of these diseases to prevent further complications down the line!
If you have been diagnosed with renal cancer, you may wonder how you will pay for your treatment. The cost of treatment can be expensive, especially if you do not have health insurance. Fortunately, several financial assistance programs are available to help people with renal cancer pay for their treatment. Financial assistance programs are available for those who have been diagnosed with cancer. This blog post will discuss some of the most common financial assistance programs that patients can apply to receive funds towards their medical care needs, including kidney tumors/tumors in general as well!
Financial Assistance For Renal Cancer Patients Type #1: Your Life Insurance Policy Pays YOU (Through a Viatical Settlement)
Kidney cancer is still a major health hazard in the United States. Suppose you’re diagnosed with this type of disease. In that case, your out-of-pocket expenses could be significant even if government initiatives like Medicare and Medicaid are available to help cover some costs.
Hazards such as high-priced prescription drugs or long-term dialysis treatments, which are not covered by these programs, can put additional financial pressure on already struggling individuals living below poverty because they cannot afford salaries plus expensive medical care all at once.
The good news is there are other ways to help fund the expenses associated with renal cancer. One option is through your life insurance. If you have a life insurance policy, you can sell it for a lump-sum cash payment, also known as a “viatical settlement .” And best of all, the funds from a viatical settlement are tax-free.
That’s right, you could be eligible for up to 70% of your life insurance policy through a viatical settlement! The process is quick and easy. All it takes are two weeks from now – that gives us enough time so we can discuss what will happen next?
Viatical settlements are for people who have a life-threatening illness and own a life insurance policy. Here’s how it works:
- Individuals can sell their life insurance policy to a viatical settlement company.
- In return, they receive a lump-sum cash payment that is more than the cash value of the life insurance policy but less than the death benefit. Receiving a viatical settlement is more than just the death benefit. It can provide you with money to help pay off your debts and leave something behind for family in whatever way they want, so it’s really important that anyone who might be eligible knows how this works!
- .When someone is diagnosed with kidney cancer, they might be offered a deal that allows them to live out their days in peace and comfort using a viatical settlement. The company will take over paying for all medical expenses associated with the insured person’s life ( premiums ) as long as another insurer does not still cover those at death; then, it gets paid back from what’s left after bills like mortgages or auto loans have been paid off-the balance goes directly into an account belonging solely only to you!
American Life Fund assists thousands of cancer patients who want to sell their life insurance policies to relieve the financial strain of renal cancer and allow you and your loved ones more time to spend on the things that matter. American Life Fund can provide a cash offer for your life insurance policy through our simple application process.
Financial Assistance For Renal Patients Type #2: Renal Cancer-Specific Financial Grants & General Cancer Financial Assistance.
Several organizations offer financial assistance for renal cancer patients and general cancer financial assistance programs. These programs can help with anything from treatment-related costs such as transportation, lodging, and child care to paying rent, food, and utilities while also providing medical care through Free Clinical trials that can extend patient lives by up tp two years on average!
The HealthWell Foundation® Through the fund, HealthWell will provide grants of up to $10,000 to assist RCC patients with co-payments and premiums. The fund is open to individuals on Medicare who have an annual household income of up to 500% of the poverty level.With all of the options available, it can be difficult to know what will work best for you. That’s why our team is here! We want everyone receiving care during their treatment process; we’re committed in providing peace-of mind knowing they have someone who understands exactly how much stress isn’t good news at time
American Kidney Fund, The Safety Net Grant Program provides financial assistance to individuals who cannot afford health-care costs that are not covered by insurance. One example is the cost of transportation to and from dialysis, over-the-counter medicines, co-payments, and other requirements.
Health Insurance Premium Program (HIPP) grants provide financial support to ensure each individual can pay their health insurance premiums. The Safety Net Grant Program provides financial assistance to individuals who cannot afford healthcare costs not covered by insurance. One example is the cost of transportation to and from dialysis, over-the-counter medicines, co-payments, and other requirements.The AHF non-profit provides financial assistance to cancer patients who are not covered by their insurance. They offer grants or low cost services like checkups, lab tests etc., so that you can get the care your need without worrying about how much it will cost.
The Kidney Cancer Association The Patient Assistance Fund Program, run by the National Kidney Foundation, offers monetary aid to individuals with kidney cancer. We think your attention should be on your health, not on your finances. The program allows for patients who meet the PAF eligibility criteria to apply for up to $250 in assistance-Visa gift card – through the KCA’s website.
Kidney Cancer Research Alliance (KCCure) is Virginia based. Fund high-impact, high-risk renal cancer research through a paper-reviewed process by an expert team of kidney cancer specialists, patients, caregivers, and kidney cancer advocates. These grants provide sources of funding that otherwise wouldn’t be available to these researchers.
Mayo Clinic seeks to support those unable to pay for medically necessary care. Services include:
- Using fair and consistent billing and collection practices, including charitable care and financial assistance policies and a standard application process.
- Providing extended payment plan options and medically necessary services at reduced rates or no cost for patients eligible for financial assistance.
- Emergency medical care, regardless of financial circumstances
Financial Assistance For Renal Cancer Patients Type #3: Prescription Assistance.
- RxHope helps people in need obtain critical medications they would normally have trouble affording. Patient Assistance Programs (PAP) are designed to support low-income U.S. residents with free or low-cost prescriptions. The programs usually cover brand-name drugs only and are administered individually by the pharmaceutical companies that manufacture the drugs.
- Rx Outreach is a fully-licensed mail-order pharmacy committed to making prescription drug use safer and more affordable. The program offers prescription medicines to uninsured and underinsured individuals and families and those with limited prescription drug coverage.
- Exelixis Access Services (EASE) is a resource for questions and needs related to insurance coverage, financial assistance, and treatment support for CABOMETYX® (cabozantinib), a prescription medicine used to treat people with kidney cancer (renal cell carcinoma).
Financial Assistance For Renal Cancer Patients Type #4: Fundraising
Organizing a fundraiser is a great way to support a loved one with cancer and raise money for cancer research and patient services. Here are some tips on how to get started:
- You may create a GoFundMe campaign and share your need/cause with others. The disadvantage is that you only receive a fraction of the money raised.
- Check with your local American Cancer Society (ACS) to see if there are any ACS-sponsored events in your area, or you may also contact a national cancer organization.
- Check out MedGift Advocacy Services for a whole list of fundraising ideas!
No matter which route you go, make sure to keep your campaign organized, clear, and updated so that people know where their money is going. Good luck! Financial assistance for renal cancer patients is out there–you just need to know where to look.
Frequently Asked Questions About Financial Assistance For Renal Cancer Patients
Q: Can you get Financial help if you have Kidney Cancer?
A: You can get financial help if you have kidney cancer. You can get everything from help with prescriptions, lower utility bills, grants, viatical settlements, and more.
Q: How Do I Get Disability for Kidney Cancer?
A: When applying for disability, the Social Security Administration (SSA) will look at your illness to see if it meets or equals one of the qualifying conditions in the SSA’s Listing of Impairments. Your claim will automatically be approved if your illness is a qualifying condition and you meet all the listing criteria.
Q: Does Medicare Cover Kidney Cancer?
A: Yes, you can receive kidney-care benefits if you’re 65 or older and enrolled in Medicare. You may also be eligible for Medicare coverage before age 65 based on your kidney condition if you, your spouse, or your parent have earned enough work credits.
If you’ve been diagnosed with kidney failure, Medicare may waive its usual two-year waiting period required for people who qualify based on receiving Social Security Disability Insurance (SSDI). According to the National Kidney Foundation, about eight in 10 Americans with kidney failure have Medicare coverage.
Q: What Does Medicare pay for when I have ESRD?
A: Medicare covers certain medical services and supplies in hospitals, doctors’ offices, and other healthcare settings. When you need dialysis, Medicare covers the cost of dialysis treatments, such as in-center hemodialysis, in-center nocturnal hemodialysis, home hemodialysis (HHD), and peritoneal dialysis (PD).
Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) are available to people on dialysis. If you have both Part A and Part B, these services and supplies must be covered as long as they are reasonable and necessary for your care. Patients who require dialysis treatment must visit a treatment center where Medicare-approved dialysis is provided.
Q: What is the Medicare Renal Dialysis Benefit?
A: The renal dialysis benefit under Medicare Part B pays for outpatient renal dialysis treatments for people with ESRD, including in-center hemodialysis, home hemodialysis (HHD), and peritoneal dialysis (PD). The benefit also pays for the supplies you need to do your treatments.
There is financial assistance available for renal cancer patients. You can get help with everything from prescriptions to utility bills to grants. Please feel free to contact us at American Life Fund to learn more about how we can help.
Financial Assistance Other Cancer Types:
>> Financial Assistance for Sarcoma Cancer Patients