Many programs provide financial assistance for treatment
Following is a list of general national financial assistance programs for people diagnosed with cancer. Additional local and state resources may be available.
- American Cancer Society provides information and resources finding and paying for cancer treatment.
- Cancer Financial Assistance Coalition is a coalition of organizations that help cancer patients with financial support.
- CancerCare Co-payment Assistance helps people afford co-payments for chemotherapy and targeted therapies.
- Family Reach provides financial assistance to families with children or young adults impacted by cancer.
- HealthWell Foundation provides coinsurance, copayment, deductible and health care premium financial assistance.
- Hill-Burton facilities provide free or reduced-cost health services not covered by a government program such as Medicare or Medicaid to those with limited income.
- Hope for Young Adults with Cancer helps young adults in active treatment and in remission for up to 5 years pay for daily living expenses.
- Needy Meds administers prescription assistance programs to help patients with the cost of medications and other healthcare.
- Partnership for Prescription Assistance is an online resource helping uninsured and underinsured patients find prescription medicines for little or no cost.
- Patient Access Network (PAN Foundation) helps underinsured people with life-threatening, chronic and rare diseases get needed medications and treatments.
- Patient Advocate Foundation provides copay assistance, financial aid and case management services; it also has a copay relief program for cancer genetic and genomic testing.
- Simplefill provides prescription advocate programs for over 1500 drugs.
- The Assistance Fund helps patients and families facing high medical costs by providing assistance for copays, coinsurance, deductibles and other health-related expenses.
- The Jonah Foundation provides financial assistance to families in need who are fighting cancer while pregnant or with young children.
Travel & Lodging
- ACS Hotel Lodging program provides overnight accommodations to cancer patients who must travel for outpatient treatment and need assistance with lodging.
- Air Charity Network provides free air transportation to specialized health care facilities, supporting patients who need to travel for treatment.
- Airbnb provides grant funding that provides free housing for patients traveling for cancer treatment.
- Corporate Angel Network transports cancer patients to the hospital at which they need to be in order to receive a specialized form of treatment.
- Hope Lodge offers cancer patients and their caregivers a free place to stay when their best hope for effective treatment may be in another city.
- Joe’s House is a nonprofit organization that helps cancer patients and their families find a discounted place to stay when traveling away from home for medical treatment.
- Mercy Medical Angels assists in paying for short- and long-distance travel for those that need treatment/participating in a clinical trial.
- Road to Recovery has several transportation assistance programs across the U.S. and supports patients who need travel assistance for treatment.
2021 Advocacy Priorities
Ensuring Affordable Access to Care
- Health Insurance
The Affordable Care Act (ACA) significantly expanded consumer protections and the availability of health insurance and for Americans. The law contains several provisions that benefit members of the hereditary cancer community, banning the practice of charging more or denying health insurance coverage due to a pre-existing health condition such as cancer, prohibiting health plans from putting annual or lifetime dollar limits on most benefits, coverage of certain essential health services and screenings with no copay and more.
FORCE is a proponent of policies that facilitate affordable access to quality health insurance and care for all Americans. We continue to advocate for improvements to the ACA, private and employer sponsored health plans, Medicaid and Medicare.
- Genetic Counseling and Testing
The Affordable Care Act requires health insurers to cover genetic counseling and BRCA testing for women who meet certain criteria, with no out-of-pocket costs to the patient.
BRCA genetic testing for men—and women who are currently undergoing cancer treatment—are not covered under the ACA preventive services. Similarly, genetic testing for mutations other than BRCA1 and BRCA2 (i.e. ATM, CHEK2, PALB2, Lynch Syndrome, etc.) is not covered under the ACA. Many health insurers cover the testing but deductibles, coinsurance and copays apply. Medicare only covers genetic testing for an inherited mutation in individuals with a cancer diagnosis who meet certain personal or family cancer history criteria. Medicaid typically covers testing for only BRCA1 and BRCA2 mutations; eligibility varies by state.
FORCE advocates for coverage of genetic counseling and testing (including multigene panel testing) as appropriate for those diagnosed with cancer as well as unaffected men and women (previvors) who meet National Comprehensive Cancer Network (NCCN) guidelines.
- High-Risk Cancer Screenings
Currently, federal law requires health insurers to cover the following with no out-of-pocket costs for the patient:
- annual mammograms for women age of 40 and older
- colonoscopy every 10 years, or other methods of colorectal cancer screening, for people age 50* and older (*will likely change to age 45 later this year)
- cervical cancer screening with a Pap test every 3 years for women ages 21-65
National medical guidelines recommend earlier, more frequent and more intensive screenings for people at an increased risk of cancer due to genetics or other factors. Health insurers are not required to cover high-risk screenings, such as breast MRIs, mammograms before age 40, colonoscopies before age 45 or PSA testing. Likewise, if these screenings detect an abnormality, insurance companies are not required to cover the additional screening, diagnostic imaging or biopsies needed to determine if it is cancerous.
Most health insurers will cover medically necessary screenings and diagnostic services beyond those legally required, but coverage does not mean 100% payment by the insurance company. Patients may incur significant out-of-pocket costs because deductibles, coinsurance and copays apply.
Medicare generally does not cover the cost of screenings beyond those needed by the “average risk” population. Medicaid coverage of high-risk screenings varies by state. National Breast and Cervical Cancer Early Detection Program (NBCCEDP) funds can be used for annual breast MRIs and mammograms for low-income, uninsured and underserved women who are considered high-risk, but the majority of state NBCCEDP programs only cover screenings needed by those at average risk of breast cancer.
FORCE strongly supports policies that reduce or eliminate the cost of medically necessary screenings and tests for those at increased risk of cancer. High-risk individuals should not face exorbitant out-of-pocket expenses for guideline-recommended cancer screenings.
- Risk-Reducing Surgeries
Prophylactic or risk-reducing surgery is recommended for certain people at increased risk of cancer due to an inherited genetic mutation. Expert medical guidelines encourage risk-reducing salpingo-oophorectomy or hysterectomy, and consideration of mastectomy for individuals with specific mutations.
Although these surgeries are preventive in nature, insurers rarely cover them in full. Deductibles, coinsurance and copays apply. In some cases, risk-reducing surgery may not be covered at all. Medicare is essentially prohibited from covering risk-reducing surgeries. Medicaid coverage of prophylactic surgeries varies by state.
FORCE endorses affordable coverage of expert-recommended interventions such as surgery that prevent or reduce the risk of cancer for high-risk individuals. Nobody wants to undergo surgery but limiting the financial impact helps ensure equitable access to these potentially life-saving measures.
- Treatment / Targeted Therapies
Even with health insurance, many people encounter significant out-of-pocket expenses when undergoing cancer treatment. This is especially true for patients receiving newer therapies and those administered orally, like PARP inhibitors.
FORCE advocates that patients, with guidance from their providers, should have a choice in the evidence-based treatment they receive. We endorse increasing clinical research on targeted therapies and companion diagnostics to determine who benefits most from these therapies. We also support reducing the cost of treatments regardless of how they are administered, limiting patients’ out-of-pocket costs, and eliminating specialty tiers, step-therapy practices and copay accumulators. A cancer diagnosis is difficult physically and emotionally; we work to minimize financial burden and administrative red tape so patients can focus on their health.
- Fertility Preservation and Treatments
Some cancers and cancer treatments affect fertility. This is particularly true for individuals with cancers caused by inherited mutations because these are more likely to be diagnosed at an earlier age, before their family is complete. National guidelines recommend that young men and women diagnosed with cancer explore fertility preservation prior to starting treatment.
Women with certain inherited genetic mutations are at increased risk of ovarian, endometrial and related gynecologic cancers. Unfortunately, there is no reliable screening or early detection for these cancers so medical guidelines recommend risk-reducing surgery to remove their ovaries, fallopian tubes and/or uterus. Some women wish to undergo fertility preservation before surgery to remove their reproductive organs.
Individuals with an inherited genetic mutation causing increased risk of a disease, such as cancer, may consider Preimplantation Genetic Diagnosis (PGD), a medical procedure that allows people to have children who do not carry the mutation.
Health insurers do not typically cover fertility preservation or related treatments. While several states have passed fertility preservation coverage laws, there is no such coverage in the majority of states.
FORCE supports policies that facilitate affordable access and insurance coverage of fertility preservation for any individual of childbearing age who will experience infertility due to surgery or treatment. We also advocate for coverage of related procedures including in vitro fertilization (IVF) and PGD as desired by these patients.
Protecting Genetic Privacy
The U.S. has a patchwork of national and state laws that help protect the privacy of most Americans’ health and genetic information, and prevent certain types of discrimination based on that information. The Genetic Information Nondiscrimination Act (GINA) and Health Insurance Portability and Accountability Act (HIPAA) are the primary federal laws that protect “private” health information. These, together with the Affordable Care Act (ACA), ensure that an individual’s personal or family health history is not used to discriminate against them in health care and employment.
National laws, however, do not apply to other types of insurance including life, long-term care or disability policies. Some states have additional anti-discrimination protections, but few ban the use of genetic or health information in determining eligibility or premiums for these types of insurance.
FORCE strongly opposes any attempt to relax existing protections provided by the ACA, GINA and HIPAA. We support strengthening antidiscrimination and data privacy laws to safeguard health and genetic information, and strive to minimize or eliminate the ability of insurers to use this information in policy or premium decisions.
Advocating for Patient Safety
- Genetic and Biomarker Testing
In recent years, there has been unparalleled growth in genetic testing for a hereditary predisposition to cancer. Similarly, there have been tremendous in biomarker testing to help detect cancer, predict how quickly cancer will grow or spread, select the best treatment and monitor response to therapy. It is crucial that these lab tests and diagnostics are accurate, reliable and safe. It is also important that appropriately trained healthcare providers guide patients in the selection and interpretation of these tests.
- Surgeries, Therapies and Medical Devices
All surgeries, cancer therapies and medical devices, including breast implants, have certain risks. Understanding these risks is essential for patients to make informed healthcare decisions. FORCE is a proponent of informed decision-making based on credible patient education, choice and access to a broad range of FDA-approved or -cleared tests, treatments and devices.
Patient safety is of the utmost concern. FORCE supports quality research and evidence-based information about the benefits and risks of medical interventions and devices. We strongly advocate for accurate, understandable product labeling to facilitate informed decisions regarding surgeries, treatments and medical devices.
Only with research will we find better options for cancer screening, detection, treatment—and hopefully one day, prevention. Numerous factors contribute to good quality research including study design, infrastructure, funding, enrollment, reporting and more.
FORCE is committed to supporting research by educating our community about clinical trials, collaborating in study recruitment, training and engaging patient advocates to work with researchers and advocating for sustained or increased funding for federally sponsored research programs.
Reducing Health Disparities
Healthy People 2020 describes health disparities as “a particular type of health difference that is closely linked with social, economic, and/or environmental disadvantage. Health disparities adversely affect groups of people who have systematically experienced greater obstacles to health based on their racial or ethnic group; religion; socioeconomic status; gender; age; mental health; cognitive, sensory, or physical disability; sexual orientation or gender identity; geographic location; or other characteristics historically linked to discrimination or exclusion.”
These disparities may include differences in the presence of a disease such as cancer, health outcomes or access to healthcare.
FORCE is committed to health equity by addressing—through supporting research, policy and programs—the factors that may contribute to health disparities. In partnership with other organizations, healthcare providers and institutions, researchers, patients and their families, we seek action at the national, state, local and organizational levels to focus on the issues, needs and research to address health disparities and work toward positive change.