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Mesothelioma & Lung Cancer Insurance Plans

Many asbestos lung cancer patients and their families face challenging financial choices when it comes to treatment. However, when facing such a disease and the difficulties it brings on a daily basis, choosing quality care and an insurance plan should not be a stressful action. Thus, we want to make it as simple as possible for you so we put this list of insurance providers up to make it easier for asbestos lung cancer patients to choose the right insurance carrier and plan for them. Please contact the insurance provider you choose and ask specific questions about procedures and services covered by the plan your are interested in, as this list is for informational purposes only.

Aetna offers more than just health benefits and insurance plans: each one of their plans comes with personalized support in order to lower costs and keep people healthy. Thus, their health plans include:

  • networks of distinguished health care providers and facilities that offer specialized care and services
  • various offers on wellness services
  • online resources to help members keep track of their health plan and health history, research conditions and understand the cost of care
  • personalized wellness and disease management programs

Aetna health plan options include:

  • Network-only plans: Care is provided by a primary care physician (PCP) and referrals to specialists, or by seeing an in-network doctor.
  • Network option plans: These plans offer the flexibility to see in-network doctors or any licensed doctor.
  • Indemnity plans: The ultimate in flexibility, these plans offer the freedom to visit any licensed health professional.
  • Medicare and retiree plans: These plans are a great solution for Medicare-eligible individuals and retirees.

The network-only plan options include:

  • HMO
  • Aetna Select SM
  • Open Access
  • Aetna Select
  • Elect Choice®, available only in California and Washington.
  • Aetna Open Access® Elect Choice, available only in New York, California, Texas and Washington.
  • Health Network Only

Network option plan choices include:

  • QPOS® (Quality Point-of-Service®)
  • Aetna Choice® POS II
  • Managed Choice®
  • Aetna Open Access® Managed Choice
  • Open Choice® PPO
  • Health Network Option

See more info HERE.

Aetna Choice® POS II members are encouraged to choose a primary care physician (PCP) from the network of participating providers. Unlike other plans, members can go directly to network specialists without presenting referrals. Deductible, copays and/or percentage copays may apply when accessing care from network providers. The Choice POS II Plan allows you to receive care from any licensed health care provider and you can save when you choose a provider in the Aetna network.

You may also visit any out-of-network, licensed provider for a covered benefit but you will typically be subject to higher out-of-pocket costs, including deductible, coinsurance and balance bills (provider charge in excess of the amount Aetna determines is allowable under the terms of the plan). Some wellness and preventive programs included to help you cope with your disease. Preventive care required by federal health care reform is covered at 100% without cost share.

The Plan covers only expenses related to non-occupational injury and non-occupational disease. The Plan pays benefits only for care that is medically necessary, as determined by Aetna.

You can find more about what this plan covers and what it costs HERE.

The Aetna Open Access® Managed Choice® POS (Point-Of-Service) plan members are encouraged to choose a primary care physician (PCP) from the network of participating providers. Unlike other plans, members can go directly to network specialists without presenting referrals. Deductible, copays and/or percentage copays may apply when accessing care from network providers.

You may also visit any out-of-network, licensed provider for a covered benefit but you will typically be subject to higher out-of-pocket costs, including deductible, coinsurance and balance bills (provider charge in excess of the amount Aetna determines is allowable under the terms of the plan). Some wellness and preventive programs included to help you cope with your disease. Preventive care required by federal health care reform is covered at 100% without cost share.

You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. You need to sign up on Aetna's website to see your copay information in the Aetna Navigator section, by clicking on the Benefits/Summary link. If you have any benefits question, you can also call Aetna Member Services at the number on your member ID card.

You can find more about what this plan covers and what it costs HERE.

Alameda Alliance for Health is a local, public, not-for-profit managed care health plan committed to making high quality health care services accessible and affordable to Alameda County, CA residents. Members are provided with an extensive network of doctors, specialists, hospitals and pharmacies and health care coverage through 2 programs: Medi-Cal and Alliance Group Care for IHSS workers.

Medi-Cal is a state-sponsored health insurance program administered to members through Alameda Alliance for Health. Medi-Cal provides comprehensive health care coverage for those who meet income guidelines, including families and children, people with disabilities and seniors. There are no monthly premiums or co-pays if you have met income requirements. To quality for Medi-Cal you must be:

  • A U.S. citizen/qualified legal immigrant
  • A parent, child, elderly or disabled individual
  • Have a low income(guidelines apply)
  • Must be an Alameda County resident

Medi-Cal covers:

  • 24-hour emergency and urgent care
  • a primary care physician
  • checkups and preventive care
  • eye exam and eyeglasses
  • family planning services
  • health education classes
  • home health services
  • hospital care
  • immunizations
  • interpreter services
  • laboratory tests and services
  • maternity care and well-baby care
  • prescription drugs
  • regular OB/GYN visits
  • specialty care
  • transportation to your health care provider, for special circumstances

See more info HERE.

Beech Street is a network offering of MultiPlan, Inc. National in scope, the Beech Street Network is available for use as both a primary and a complementary PPO network, as well as for Workers’ Compensation, Medicare Advantage and consumer card programs.

If you are looking for benefit plan information, coverage information, claim forms or ID cards, you will need to call the benefits office directly at the toll free number 800.877.1444, as these components of a health plan are not provided by Beech Street.

See more info HERE.

Anthem Blue Cross is the trade name of Blue Cross of California. Their health plans fall into 4 categories:

  • Bronze Plans - lowest costs

The plan covers 60% of your health care costs and you would be responsible for paying 40% of the costs.

  • Silver Plans - average costs

The plan covers 70% of your health care costs and you would be responsible for paying 30% of the costs.

  • Gold Plans - Higher costs

The plan covers 80% of your health care costs and you would be responsible for paying 20% of the costs.

  • Platinum Plans - Highest costs

The plan covers 90% of your health care costs and you would be responsible for paying 10% of the costs.

However, the actual percentage you will pay in total or per service will depend on the services you use during the year.

Shop for plans HERE.

Blue Shield of California is a nonprofit health insurance plan dedicated to providing Californians with access to high-quality care at an affordable price. Members have easy access to a wide range of doctors and hospitals, and Blue Shield's PPO, HMO, dental and vision networks are among the largest in California. The plans available at Blue Shield of California allow you to self-refer to a specialist without having to see your primary care physician first.

Many plans also offer access to alternative care such as acupuncture and chiropractic services, and every plan includes access to preventive care services at no additional costs to you. Blue Shield offers members a variety of health plan options to fit your life. With Blue Shield you receive:

  • access to over 41,000 doctors and 300+ hospitals in California
  • plans designed to fit a wide variety of budgets
  • health and wellness resources such as: NurseHelp 24/7SM, CVS Minute Clinic, WellvolutionSM, and more

See and choose from their Individual and Family Plans HERE.

Care1st Health Plan is an HMO that contracts with the federal government to provide Medicare services and benefits in Arizona, California and Texas. Care1st is contracted with the Local Initiative Health Authority of Los Angeles County (LA Care), and the Department of Health Care Services (San Diego), to provide Medi-Cal health benefits to its Medi-Cal recipients.

Cal MediConnect is a 3-year voluntary program for people with both Medicare and Medi-Cal, benefitting seniors and people with disabilities. It combines medical, behavioral, long-term and home-and community-based services in one health plan.

Care1st Medicare: Evidence of Coverage (EOC) Booklet

Care1st Medi-Cal Member Handbook: Click below to read more about the plan, coverage and costs

Los Angeles County                         San Diego County

ONECare Medicare Health Plan: Medicare Advantage Plan for AHCCCS members with Medicare A & B and covers individuals who are disabled and/or over the age of 65.

ONECare Medicare Health Booklet

CareFirst offers 3 different types of plans:

  • Health Maintenance Organization (HMO)
  • Point of Service (POS)
  • Preferred Provider Organization (PPO)

The main differences between plan types are how much freedom you have when choosing providers and how much of the costs you will have to pay. Their HMO plans have the following advantages:

  • the least expensive choice
  • over 35,000 doctors, specialists and hospitals to choose from
  • out-of-area coverage (outside of MD, DC and Northern VA) for emergencies and urgent care only
  • coverage available for those living in selected states for an extended period of time through CareFirst's Away From Home program

You can choose from the following plans:

  • BlueChoice HMO Young Adult: $6,850
  • BlueChoice HMO HSA Bronze: $6,550
  • BlueChoice HMO HSA Bronze: $6,000
  • BlueChoice HMO Silver: $2,000
  • BlueChoice HMO HSA Silver: $1,350
  • HealthyBlue HMO Gold: $1,000
  • HealthyBlue HMO Gold: $250

POS plans provide flexible coverage and combine the benefits of an HMO with access to out-of-network providers. They are, however, more expensive than an HMO but usually less expensive than a PPO. If you decide upon a POS plan,  you should be aware that using out-of-network providers will cost you more and coverage for out-of-area (outside of MD, DC and Northern VA) services are available but will be covered out-of-network. CareFirst's POS plans include:

  • BlueChoice Plus Bronze: $5,500
  • BlueChoice Plus Silver: $2,500
  • HealthyBlue Plus Gold: $750

As for CareFirst's PPO plans, they are the most flexible and give you access to a large choice of over 40,000 providers. Coverage for out-of-area services (outside of MD, DC and Northern VA) is included but using out-of-network providers will cost you more. PPO plans to choose from include:

  • BluePreferred PPO HSA Bronze: $4,500
  • BluePreferred PPO HSA Silver: $1,600
  • HealthyBlue Gold PPO: $500

All plans include preventive care, hospitalization, emergency services, lab tests, prescription drug coverage, Blue Rewards and vision coverage.

You can learn more about their plans HERE.

Cigna is an American worldwide health services organization and its insurance subsidiaries are major providers of medical, dental, disability, life and accident insurance and related products and services. Cigna also offers:

  • Medicare
  • Medicaid
  • health, life and accident insurance coverage in the U.S.
  • health, life and accident insurance coverage to selected international markets

They also offer supplemental insurance policies that can help pay for many expenses that your primary health insurance does not cove. Supplemental insurance can help you pay for unplanned costs during your treatment or recovery. The benefits are paid directly to you and you can pay medical expenses which are not covered by your primary health insurance, or even your regular monthly bills. You can use your benefits for out-of-pocket medical and daily expenses that will add up: copays and deductibles, and household expenses.

Cancer Treatment Insurance

  • This covers surgery and hospitalization, treatments like chemotherapy, transportation, lodging, childcare and pet care, among others.
  • You can use the cash benefits in any way you choose (unless they have been assigned to a treatment provider).
  • You can select a benefit level to provide the coverage that’s right for you and your budget.
  • Your policy is Guaranteed Renewable for Life.

Learn more about the benefits and coverage included in our Cancer Treatment Policy by selecting your resident state on their website.

The Cancer Treatment Policy is not available in CA, CT, FL, MA, MD, MN, NH, NJ, UT, VA & WA.

Lump Sum Cancer Insurance

  • You can receive a lump sum cash benefit if you are diagnosed with cancer.
  • You can select a benefit amount from $5,000 to $100,000.
  • Your policy is Guaranteed Renewable for Life.

Learn more about the benefits and coverage included in our Lump Sum Cancer Policy by selecting your resident state on their website.

The Lump Sum Cancer Policy is not available in CT, MA, MD, MN, NH, PA, UT & VA.

CorVel is a national provider of risk management solutions for the workers' compensation, health, auto and disability management industries. Their products aim to contain health care costs for clients, which typically include insurance companies, TPAs and self insured entities. One of the main goals of CorVel is to provide clients with the information and insight they require in order to make smart decisions in the long run. CorVel provides a network of preferred providers, as well as:

  • claims management
  • bill review
  • utilization management
  • case management
  • Medicare services

CorVel is paid based on the number of claims it manages and is often paid a percentage of the client's savings. The company is able to control the cost of claims more effectively than the traditional claims management model by incorporating a strong medical management component in claims management, thus saving you time and money.

See more info HERE.

Aetna acquired Coventry Health Care, Inc. on May 7, 2013. Coventry Health Care is a diversified national managed health care company based in Bethesda, Maryland and operates health plans, insurance companies, network rental services companies, and workers' compensation services companies. Coventry provides a full range of risk and fee-based managed care products and services, including:

  • HMO
  • PPO
  • POS
  • Medicare advantage
  • Medicare prescription drug plans
  • Medicaid
  • Workers' Compensation
  • Network rental to a wide cross section of employer and government-funded groups, government agencies, and other insurance carriers and administrators in all 50 states, the District of Columbia and Puerto Rico

Learn more about their products and services HERE.

First Health Group Corp., is an indirect wholly-owned subsidiary of Aetna, Inc., and provides national PPO network access and other cost containment programs to help clients manage employee benefit plans. The First Health Network has providers in all 50 states and Puerto Rico, more than 5,000 hospitals, over 90,000 ancillary facilities, and over 1 million health care professional service locations in the network.

Their board-certified physicians are qualified in more than 100 specialties and a wide array of specialty healthcare service providers, including: ambulatory surgery centers, chiropractors, clinical laboratories, home care, physical therapists, psychologists, radiology services and surgery services.

Learn more about their network options HERE.

Harvard Pilgrim HealthCare offers a wide range of plans for Massachusetts, Maine, New Hampshire and Connecticut. Plans listed below are available for Massachusetts, Maine and New Hampshire. You can find out more about their Connecticut plans HERE.

  • Access America: National network plans available through Massachusetts, Maine and New Hampshire employers
  • Best Buy HMO & PPO: Available in Massachusetts, Maine and New Hampshire through employers
  • Best Buy HSA HMO: Qualified high deductible health plan (HMO) available in Massachusetts, Maine and New Hampshire through employers
  • Best Buy HSA PPO: Qualified high deductible health plan available in Massachusetts, Maine and New Hampshire through employers
  • Best Buy - LP: Available through employers in New Hampshire
  • ChoiceNet: Tiered network option that complements Best Buy deductible-based products in Massachusetts and New Hampshire
  • Choice Plus and Options: PPO plans for multi-state employers, offered jointly with UnitedHealthcare
  • Core Coverage: Featuring essential health benefits at a more affordable premium than traditional plans
  • ElevateHealth: HMO coverage from a close-knit network of New Hampshire providers with a focus on keeping you healthy and well
  • Focus Network - MA: High performance/limited provider network in Massachusetts
  • HMO: Available in Massachusetts, Maine and New Hampshire through employers
  • Hospital Prefer: Tiered hospital network option that complements Best Buy deductible-based products in Massachusetts
  • Hospital Prefer - LP: Tiered hospital network option that complements Best Buy - LP deductible-based products in New Hampshire
  • Maine's Choice HMO - Available Southern and Central Maine
  • Medicare Advantage 2016: Available in Massachusetts, Maine and New Hampshire if you are entitled to Medicare Part A and Enrolled in Medicare Part B and reside in our specified Service Area
  • Medicare Enhance: Available in Massachusetts, Maine and New Hampshire through employers for people enrolled in Medicare Parts A and B
  • Medicare Supplement Plan 2016: Available in Massachusetts, Maine and New Hampshire for individuals enrolled in Medicare Parts A & B
  • POS & PPO: Available in Massachusetts, Maine and New Hampshire through employers

Their plans cover screenings, hospitalization, lab work, radiology, various tests and outpatient/inpatient procedures, among others.  With Harvard Pilgrim HealthCare, you can rest assured knowing that you have access to specialized care for your condition, made financially accessible thanks to their wide range of plans.

Health Net has something for everyone, no matter what stage of life you are in. Whether you are a company employee or self-employed, in-between jobs or retired, there is a wide range of plans available to you that will fit your needs. Health Net offers a wide range of competitively priced plans and some extra services at no additional cost. Their plans for Individuals and Families are affordable and dependable.

See their California plans HERE.

If you live in San Joaquin County or Stanislaus County, and are eligible for the MCAP, you can become a Health Plan of San Joaquin member. HPSJ has been serving members enrolled in publicly-funded programs since 1996. As a publicly sponsored, not-for-profit, Health Maintenance Organization (HMO), HPSJ has a contract with the California Department of Health Care Services (DHCS) to manage health care for Medi-Cal members. Members have access to high quality health care in a timely and caring manner.

You can choose from a large number of doctors, hospitals and pharmacies throughout San Joaquin and Stanislaus County, and you can speak to an Advice Nurse by phone 24 hours a day. Providing personalized service, HPSJ is conveniently located in the Central Valley, where you can receive application assistance or meet with a representative from their Customer Service Department to discuss your benefits.

Emergency care is a covered benefit. For non-emergency questions, you can call your Primary Care Physician or Healthreach, HPSJ’s Advice Nurse Program, available 24 hours a day. Health Plan of San Joaquin also participates in the Medi-Cal Program, so if you or your family becomes eligible for Medi-Cal, you can choose Health Plan of San Joaquin. For questions regarding providers or HPSJ, call 1-888-936-PLAN (7526).

See more info HERE.

Depending on the policy selected, cancer coverage provides payments that can be used to support treatments critical to short- and long-term care, and protect assets after the diagnosis. Your coverage will also offer peace of mind when specialized healthcare, which may not be covered by other health insurance plans, is needed. You can pay your cancer policy benefits through a lump sum or an annually restorable policy to help pay a variety of expenses associated with cancer care, including:

  • child care
  • home healthcare
  • loss of income
  • out-of-pocket medical costs
  • training and rehabilitation
  • travel to treatment facilities

Benefit options include the following:

  • Humana Critical Illness/Cancer

Representing a broad range of benefit plans that can be segmented to include coverage for cancer, heart/stroke and other critical illnesses.

  • Humana Cancer Expense (Cancer Plus)

This is an annually restorable, expense reimbursement plan with optional lump-sum rider available.

  • Humana Cancer Lump Sum 10-50 (Cash Cancer Plus)

One-time cash payment at diagnosis of cancer, and offers an additional rider to refund premiums if no claims are made after 20 years.

See more info HERE.

Kaiser Permanente offers an unique integrated model of health care delivery. It is the largest nonprofit health plan in the US, serving almost 9 million members in 9 states and the District of Columbia. They offer individual and family coverage for individuals who may be:

  • self-employed,
  • working for a company that does not offer a group plan,
  • a student or recent graduate,
  • overage or not covered on their parent's plan,
  • between jobs,
  • waiting for an employer's group coverage to begin,
  • a part-time employee who is not eligible for group coverage,
  • an early retiree.

You can shop Kaiser Permanente Health Care plans HERE.

LA Care Health Plan was established in 1997 and offers a variety of affordable health plans for the communities of Los Angeles. Their 6 health plans serve more than 2 million members and provide access to a wide network of local hospitals, doctors and pharmacies. Their plans provide services for adults and seniors with low incomes, individuals with disabilities and low incomes, individuals who live in Los Angeles County and individuals who get both Medi-Cal and Medicare as well.

See all their plans HERE.

Click on the links below to read their 2016 plan summaries and find out more about what a plan covers and what it costs:

Medicaid is a joint federal and state program that provides coverage to over 72.5 million Americans, being the single largest source of health coverage in the US. Federal law requires states to cover certain groups of individuals and The Affordable Care Act of 2010 created the opportunity for states to expand Medicaid to cover nearly all low-income citizens under 65.

Each state establishes and administers their own Medicaid programs and determines the type, amount, duration, and scope of services. All states are required to cover certain "mandatory benefits," and can choose to provide other "optional benefits" through the Medicaid program. Most states administer Medicaid through their own programs:

  • Arizona: AHCCCS
  • California: Medi-Cal
  • Connecticut: HUSKY D
  • Maine: MaineCare
  • Massachusetts: MassHealth
  • New Jersey: NJ FamilyCare
  • Oregon: Oregon Health Plan
  • Oklahoma: Soonercare
  • Tennessee: TennCare
  • Washington Apple Health
  • Wisconsin: BadgerCare

Medicaid benefits are different in each state but all states provide comprehensive coverage. See what services Medicaid offers in all states. Medicaid covers premiums, deductibles, co-payments, coinsurance, and other Medicare costs and also provides some health benefits that Medicare does not.

Getting started with Medicaid

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). There are 2 main ways to get your Medicare coverage:

  • Original Medicare (Part A and Part B)
  • Medicare Advantage Plan (Part C)

Some people get additional coverage, like Medicare prescription drug coverage (Part D) or Medicare Supplement Insurance (Medigap). The different parts of Medicare cover specific services:

  • Medicare Part A (Hospital Insurance)

Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

  • Medicare Part B (Medical Insurance)

Covers certain doctors' services, outpatient care, medical supplies, and preventive services.

  • Medicare Part C (Medicare Advantage Plans)

This a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. This includes:

  • Health Maintenance Organizations
  • Preferred Provider Organizations
  • Private Fee-for-Service Plans
  • Special Needs Plans
  • Medicare Medical Savings Account Plans

Most Medicare Advantage Plans offer prescription drug coverage.

  • Medicare Part D (prescription drug coverage)

Part D adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. These plans are offered by insurance companies and other private companies approved by Medicare.

Getting started with Medicare

MetLife Cancer Insurance plan designs are comprehensive and are based on market trends and industry benchmarks to provide more value to employees. MetLife coverage includes:

  • Full Benefit Cancer: This insurance covers all forms of advanced cancers and may qualify you for full benefits as defined by the group policy or certificate.
  • Partial Benefit Cancer: MetLife covers most forms of early stage cancers and may qualify for partial benefits as defined by the group policy or certificate.

A health screening benefit is also available as a part of the MetLife Cancer plan. MetLife members have a few other benefits, such as: continuation of coverage, guaranteed issue coverage, industry leading 3/6 pre-existing condition limitation, no waiting periods or age limitations on coverage for employee or spouse/domestic partner and recurrence benefit.

See more info HERE.

MultiPlan's networks are used by their clients to provide access for their members to a variety of commercial and government sponsored health care programs, including: Auto Medical, Medicaid, Medicare Advantage, Private and Employer Sponsored Health Plans, and Workers' Compensation.

MultiPlan is not an insurance company but an independent PPO Network that serves a diverse group of payers. As such, MultiPlan does not maintain information on benefits, coverage or eligibility, and they do not pay claims. For these types of inquiries, you are advised to contact the insurance company or benefits administrator listed on the EOB or patient ID card. Also, MultiPlan's PHCS and MultiPlan networks do not include pharmacies. For pharmacy related questions, contact your insurance company, human resources representative or health plan administrator directly.

See more info HERE.

A Preferred Provider Organization (PPO) plan is an employer group plan that gives you referral-free access to Private Healthcare Systems (PHCS) Network of participating providers or any other licensed provider nationwide. There are more than 700,000 PHCS Network providers you can choose from nationwide and most doctor's office visits are covered at a copay all year round.

Most other covered services, including hospitalization, are available at a coinsure rate after you met your deductible. Diagnostic lab tests and X-rays performed during your visit are covered at just a copay. You can also fill your covered prescriptions at any participating retail pharmacy in the MedImpact network (CVS, Kmart, Raley's, Rite Aid, Safeway, Vons and Walgreens, plus hundreds of independent pharmacies nationwide) and pay simple copays for most generic and brand-name drug required for your mesothelioma/lung cancer treatment.

The exact costs you should expect to pay each year will depend on your plan and the services you receive. Generally, you will pay a copay for most doctor's office visits to PHCS Network providers all year round. Most preventive care services will be covered at little to no cost to you.

View their plans HERE.

Having the right IPA impacts the quality of care and value that you and your family will get from your HMO insurance coverage. Regal Medical works closely with major HMO and PPO plans as well as Medicare and government sponsored programs. Affiliated health plans include: Aetna, Anthem Blue Cross, Blue Shield of California, Health Net and Care1st.

See more info HERE.

Secure Horizons is a Medicare system associated with the larger organization UnitedHealthcare. For years, UnitedHealthcare has been offering Medicare plans through Secure Horizons Medicare Insurance to ensure that Medicare beneficiaries are able to meet their health care needs. Through Secure Horizons, you may be able to find Medicare coverage that expands on or complements your Original Medicare benefits, or that replaces your Original Medicare altogether.

Whether or not Secure Horizons offers a particular plan in your specific area will depend on where you live. However, because they are a subsidiary of the UnitedHealth Group, odds are that you will be able to choose from the following:

  • Medicare Supplement Plans
  • Medicare Advantage Plans
  • Medicare Part D Drug Plans

If your Original Medicare plan is not adequate for your health care needs, you can expand on it by purchasing a Medicare Supplement Insurance (Medigap) Plan through Secure Horizons. These plans are specially designed to help Medicare recipients with the costs associated with Medicare, including:

  • copayments
  • deductibles
  • coinsurance payments

This plan will help you cover the costs of trips to see a doctor, radiology, and more.

See more info HERE.

TRICARE covers participation in National Cancer Institute (NCI)-sponsored Phase I, Phase II and Phase III studies for all beneficiaries who are selected to participate. Coverage includes:

  • all medical care and testing needed to determine eligibility
  • all medical care needed during the study, including: all inpatient and outpatient care, diagnostic and laboratory services, and purchasing and administering approved chemotherapy agents

If your doctor thinks you may benefit from a clinical trial, he or she will:

  • consult with a cancer clinical trial case manager (at NCI or your regional contractor)
  • determine which, if any, phase is appropriate
  • get prior authorization for your participation
  • if you are selected, you will have an assigned case manager to help you through the process.

TRICARE will cover all your costs for screening tests to determine your eligibility for the clinical trial, as well as the costs of participating in the cancer clinical trials. All outpatient care is provided for free if you are enrolled in a clinical trial taking place at a military hospital or clinic. If referred to a civilian TRICARE-authorized provider, you are responsible for the same costs as for other TRICARE-covered services. These costs vary depending on who you are and what plan you are using. Each plan has its own costs based on your sponsor's military status. Below you can find the plans that TRICARE offers:

  • TRICARE Prime Options
  • TRICARE Standard and Extra
  • TRICARE Standard Overseas
  • TRICARE For Life
  • TRICARE Reserve Select
  • TRICARE Retired Reserve
  • TRICARE Young Adult
  • US Family Health Plan

You will pay an annual outpatient deducible if you use:

  • TRICARE Standard and Extra
  • TRICARE Standard Overseas
  • TRICARE Reserve Select
  • TRICARE Retired Reserve
  • TRICARE Young Adult-Standard Option
  • TRICARE For Life (for services not covered by Medicare)

If you have a TRICARE Prime plan, you have to meet your annual deductible when using the point-of-service option. Learn more about each health plan costs HERE.

UniCare is a health benefits company with deep, long-standing roots in the Commonwealth of Massachusetts. The UniCare State Indemnity Plan provides health benefits exclusively to people insured through the Group Insurance Commission (GIC). All plans include coverage for prescription drugs (administered by CVS Caremark for non-Medicare members and by SilverScript for Medicare members) and behavioral health services (administered by Beacon Health Options). There are 4 plan options , which differ by:

  • residency requirements
  • what copays, deductibles and premiums you pay
  • whether you are eligible for Medicare
  • which providers you can use

The 4 plan options to choose from include:

  • one option for GIC members who are eligible for Medicare: Medicare Extension (OME)
  • 3 options for GIC members who are not eligible for Medicare: Basic, Community Choice and PLUS

Basic Plan

This non-Medicare indemnity plan is available anywhere in the world. As a Basic member, you can use any doctor or hospital anywhere in the world, without the need for referrals, but be sure to use a provider in the UniCare network in order to avoid being balance billed by a provider outside of Massachusetts. You also have nationwide coverage through Travel Access providers for urgent medical care while you travel, as well as urgent care coverage for your dependents who attend school out of state. A few reasons to choose Basic:

  • $20 copay for all primary care office visits
  • coverage for emergency and urgent care services when you travel outside your home state
  • coverage for office visits and hospital care anywhere in the world
  • freedom to see any doctor – no referrals needed for office visits with specialists
  • inpatient hospital copay is $275 with CIC
  • urgent care coverage for covered student dependents who live out of state


If you live in Massachusetts, Maine, New Hampshire, Rhode Island or parts of Connecticut you can enroll in this PPO-type, non-Medicare plan. PLUS gives you great coverage, choice and flexibility. Here are a few reasons to choose PLUS include:

  • freedom to see any doctor – no referrals needed for office visits with specialists
  • $15 copay for primary care office visits with patient-centered care providers
  • $20 copay for all other primary care office visits
  • outpatient hospital medical care covered at 100% when you use any PLUS hospital in MA, CT, ME, NH or RI
  • inpatient hospital copays for Massachusetts hospitals start at $275

Community Choice Plan

You can live anywhere in Massachusetts (except Martha’s Vineyard and Nantucket) and enroll in this plan. If you are considering this option, take a close look at Community Choice, a statewide limited network plan that UniCare has offered since 2004. Community Choice gives you great coverage and provider choices: you can choose from 58 hospitals throughout Massachusetts for the new plan year. Here are a few reasons to choose Community Choice:

  • Freedom to see any doctor – no referrals needed for office visits with specialists
  • Access to 58 Community Choice hospitals throughout Massachusetts, including Dana Farber Cancer Institute in Boston and Children’s Hospital Boston, at a $275 inpatient copay
  • $20 copays for all primary care office visits
  • Urgent care coverage for student dependents who live out of state
  • Coverage for emergency and urgent care services when you travel outside Massachusetts
  • 80% coverage at non-Community Choice hospitals (100% coverage for emergencies)

See the Plan Comparison Guide HERE.

UnitedHealthcare offers Critical Illness insurance, also referred to as Critical Care insurance or Critical Illness coverage, provides a lump-sum cash benefit to help cover expenses associated with a qualifying serious illness. Some of the advantages of a Critical Illness plan include the following: simple application of questions with yes or no answers, tax-advantaged, cash benefit, flexibility to allocate money as needed, and various maximum lifetime benefit amounts from $10,000-$50,000. The Golden Rule Insurance Company Critical Illness Maximum Lifetime Benefit amount can be paid out for:

  • carcinoma in situ
  • coma
  • coronary artery bypass graft
  • heart attack
  • life-threatening cancer
  • loss of hearing
  • loss of speech
  • loss of vision
  • major organ transplant
  • paralysis
  • renal failure
  • stroke

The American Association for Critical Illness Insurance recommends to have enough coverage to make your mortgage payment for 2 years.

See more info HERE.

One of the nation's oldest and largest group health & wellness PPO networks, USA H&W Network is offered exclusively through USA Managed Care Organization. USA MCO works to lower your overall healthcare expenses and most benefit plans they offer have a co-pay or a deductible amount. For more information, contact USA MCO at: info@usamco.com or at (800) USA-0820.

See more info HERE.

Workers' compensation was designed to compensate laborers who were injured at their workplace and today, every state has their own workers' compensation system, with laws administered by state boards. Laws related to workers' comp create a framework for providing a number of benefits to injured employees and establish procedures for claiming the benefits. Possible benefits of workers' compensation include:

  • medical care
  • temporary or permanent disability payments (replacement income)
  • assistance finding another job (vocational rehabilitation), if appropriate

Not all individuals with mesothelioma cancer are eligible to file for compensation under a workers’ compensation claim. Several factors are used to determine the amount of mesothelioma compensation, including:

  • the employee’s occupation
  • age and salary at the time of contraction or injury

Payments typically include a fixed amount of compensation, which is usually spelled out in the statute and is based on the type of injury. If someone in your family has lost their life due to a workplace accident or exposure, you should know that families of deceased workers may apply for benefits. Similar to lawsuits, a workers’ compensation claim must be submitted within your state’s statute of limitations after the injury or disease occurs.