My husband has an AFLAC cancer insurance in addition to our major medical, and I was wondering if anyone has had any experience with this insurance?
Thanks
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dogmom - Who do you know with myeloma?: husband
- When were you/they diagnosed?: December 2015
- Age at diagnosis: 58
Re: Aflac cancer insurance experiences
I have an AFLAC policy. We have had it for over 30 years, they have paid me more than my premiums for all those years, payment is fast and forms are pretty simple to complete. They pay a amount for each chemo treatment you receive and also for hospitalization and stem cell transplant. It has really helped us having that policy.
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Music box lady - Name: Margie
- Who do you know with myeloma?: Me
- When were you/they diagnosed?: 2012
- Age at diagnosis: 60
Re: Aflac cancer insurance experiences
Hi Dogmom,
We also had reasonably good luck with AFLAC paying the policy benefits on days my husband had IV chemo and also when he sees his doctor where his chemo prescriptions are renewed. We've also had the policy more than 30 years and the monthly premiums were really inexpensive back then, so we definitely have benefited from having the policy. We haven't used the inpatient benefits – yet – because my husband has not had a stem cell transplant (SCT), although his stem cells were collected and are in storage for the future.
I did have to fight them tooth and nail in the beginning though. My husband was in a clinical study for newly diagnosed patients on Kyprolis / Revlimid / dex. At the time, the FDA had not approved Kyprolis for wider use, only in clinical studies. AFLAC denied the services three times saying that Kyprolis wasn't an approved drug, but when I sent them screenshots from the FDA's website showing it was an orphan drug approved for multiple myeloma, AFLAC finally paid. So, if AFLAC denies anything you think it should have paid, don't take that as their final decision if you have documentation to prove otherwise.
Good luck!
Chris M.
We also had reasonably good luck with AFLAC paying the policy benefits on days my husband had IV chemo and also when he sees his doctor where his chemo prescriptions are renewed. We've also had the policy more than 30 years and the monthly premiums were really inexpensive back then, so we definitely have benefited from having the policy. We haven't used the inpatient benefits – yet – because my husband has not had a stem cell transplant (SCT), although his stem cells were collected and are in storage for the future.
I did have to fight them tooth and nail in the beginning though. My husband was in a clinical study for newly diagnosed patients on Kyprolis / Revlimid / dex. At the time, the FDA had not approved Kyprolis for wider use, only in clinical studies. AFLAC denied the services three times saying that Kyprolis wasn't an approved drug, but when I sent them screenshots from the FDA's website showing it was an orphan drug approved for multiple myeloma, AFLAC finally paid. So, if AFLAC denies anything you think it should have paid, don't take that as their final decision if you have documentation to prove otherwise.
Good luck!
Chris M.
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Chris M
Re: Aflac cancer insurance experiences
Thanks guys, I am so glad to hear they pay on stem cell transplant, as that is the future plan for my husband. He was in the hospital four days at the start of hist diagnosis, for elevated calcium and kidney function trouble, and he need a blood transfusion. So I will file this as well as it was a result of the myeloma.
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dogmom - Who do you know with myeloma?: husband
- When were you/they diagnosed?: December 2015
- Age at diagnosis: 58
Re: AFLAC cancer insurance experiences
Hi Margie,
So good to know we were able to help. Thank you so much for sharing your Aflac experience. Here's to your health!
So good to know we were able to help. Thank you so much for sharing your Aflac experience. Here's to your health!
Re: Aflac cancer insurance experiences
Aflac Phyllis - Are you or someone you know a myeloma patient?
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dogmom - Who do you know with myeloma?: husband
- When were you/they diagnosed?: December 2015
- Age at diagnosis: 58
Re: Aflac cancer insurance experiences
Dogmom,
I just wanted to give you my experience with Aflac.
I cannot say enough good things about Aflac. My wife had lung cancer 8 years ago and a year later a brain tumor. Aflac paid a huge amount back then. She has recently had another neuro issue related to the radiation from her brain tumor 7 years ago. They have continued to pay for this also.
I was diagnosed two years ago with multiple myeloma. The initial payment for having cancer was a great help with paying bills. They also have paid about $300 per month for Revlimid and $300 per subQ injection of Velcade (which I get 4 per month). And also $150 once per month for dexamethasone. They have paid towards my monthly Zometa infusion as well.
There's also the second opinion and out-of-area travel expenses that they pay towards.
I had my stem cells collected and will soon be getting my transplant, which they will pay towards that. The best thing is the money comes to you. You can set up your payments to be deposited right to your bank account. And also set up a credit card with Aflac to make your monthly policy payments. You can use their fax number to send over all your treatment statements with your policy number and personal info. No snail mail.
I will never be without Aflac. They're great!
I just wanted to give you my experience with Aflac.
I cannot say enough good things about Aflac. My wife had lung cancer 8 years ago and a year later a brain tumor. Aflac paid a huge amount back then. She has recently had another neuro issue related to the radiation from her brain tumor 7 years ago. They have continued to pay for this also.
I was diagnosed two years ago with multiple myeloma. The initial payment for having cancer was a great help with paying bills. They also have paid about $300 per month for Revlimid and $300 per subQ injection of Velcade (which I get 4 per month). And also $150 once per month for dexamethasone. They have paid towards my monthly Zometa infusion as well.
There's also the second opinion and out-of-area travel expenses that they pay towards.
I had my stem cells collected and will soon be getting my transplant, which they will pay towards that. The best thing is the money comes to you. You can set up your payments to be deposited right to your bank account. And also set up a credit card with Aflac to make your monthly policy payments. You can use their fax number to send over all your treatment statements with your policy number and personal info. No snail mail.
I will never be without Aflac. They're great!
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Castaway - Name: George
- Who do you know with myeloma?: just myself
- When were you/they diagnosed?: 1/24/14
- Age at diagnosis: 62
Re: Aflac cancer insurance experiences
Castaway
I am so glad to hear this as my husband is now on CyBorD and I am sure they will pay for the Cytoxan as well. His treatment plan also includes a stem cell transplant and I am glad to hear they pay for that.
They have processed our initial cancer diagnosis claim and we are awaiting that check. I have filed his meds and MD office visits to date and am awaiting news on that claim. I also have a four-day hospital stay upon diagnosis due to acute kidney issues that I just got my itemized statement on that I plan of filing. It will be interesting to see what they pay on that as well.
I am so glad to hear this as my husband is now on CyBorD and I am sure they will pay for the Cytoxan as well. His treatment plan also includes a stem cell transplant and I am glad to hear they pay for that.
They have processed our initial cancer diagnosis claim and we are awaiting that check. I have filed his meds and MD office visits to date and am awaiting news on that claim. I also have a four-day hospital stay upon diagnosis due to acute kidney issues that I just got my itemized statement on that I plan of filing. It will be interesting to see what they pay on that as well.
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dogmom - Who do you know with myeloma?: husband
- When were you/they diagnosed?: December 2015
- Age at diagnosis: 58
Re: Aflac cancer insurance experiences
We got our first AFLAC check today and it paid very well. More than I had expected. It was the initial diagnosis benefit and the first oncology visit with initial testing and bone marrow biopsy and two Velcade treatments and one month of dex and Cytoxan meds. I hope it continues to pay as well, as it will be a big help.
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dogmom - Who do you know with myeloma?: husband
- When were you/they diagnosed?: December 2015
- Age at diagnosis: 58
Re: Aflac cancer insurance experiences
Cathy,
That's great news that Aflac is paying. At a time when multiple myeloma comes into our lives, it's good to know there is a little sunshine to help with the finances side of it all. I found out a few months ago I also had prostate cancer. Had prostate surgery a few weeks ago. They are paying towards that. Always something. The only thing that upsets me is that my cycling, which I love, will have to be put on hold for quite awhile due to the prostate surgery. My transplant was also delayed. At least I had my stem cells harvested last year.
Just wanted to add a little more as far as the Aflac thing. My oncologist's office staff is really the best. I asked them if they could give me all the individual treatment statement's at the end of each month. So they have a packet for me once per month. It's easier for them also instead of giving me a statement every time I see them. Of course, I send my Revlimid and dexamethasone receipts at the same time. That way you have one fax to send and you get one payment for everything. I try to make things as organized and less stressful as possible. Of course you can view all your Aflac procedures and payments through the Aflac website.
One other thing: I do is make a list of question for my oncologist during our monthly appointment. I make two copies. One for me and one for him. Then he just reads it and answers my questions. I write down his answers on my copy. That way I don't forget some questions or get off track so to speak.
Best to you and your husband
That's great news that Aflac is paying. At a time when multiple myeloma comes into our lives, it's good to know there is a little sunshine to help with the finances side of it all. I found out a few months ago I also had prostate cancer. Had prostate surgery a few weeks ago. They are paying towards that. Always something. The only thing that upsets me is that my cycling, which I love, will have to be put on hold for quite awhile due to the prostate surgery. My transplant was also delayed. At least I had my stem cells harvested last year.
Just wanted to add a little more as far as the Aflac thing. My oncologist's office staff is really the best. I asked them if they could give me all the individual treatment statement's at the end of each month. So they have a packet for me once per month. It's easier for them also instead of giving me a statement every time I see them. Of course, I send my Revlimid and dexamethasone receipts at the same time. That way you have one fax to send and you get one payment for everything. I try to make things as organized and less stressful as possible. Of course you can view all your Aflac procedures and payments through the Aflac website.
One other thing: I do is make a list of question for my oncologist during our monthly appointment. I make two copies. One for me and one for him. Then he just reads it and answers my questions. I write down his answers on my copy. That way I don't forget some questions or get off track so to speak.
Best to you and your husband
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Castaway - Name: George
- Who do you know with myeloma?: just myself
- When were you/they diagnosed?: 1/24/14
- Age at diagnosis: 62
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