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Medical expenses of cancer treatment

Cancer care can cost a lot. ?It may include treatments, medicines, insurance deductibles, travel, and other out-of-pocket expenses. The costs you might expect for cancer treatment can vary and depend on several factors, including the medicines used, where treatment is given (hospital, clinic, or doctor¡¯s office), and where you live.

In addition to visits with your cancer care team, lab tests, imaging tests, and procedures, other medical expenses can include:

• Specialist referrals (other specialty doctors, physical therapy, and others)
• Transportation and parking costs, especially if you have to travel for treatment
• A place to stay if you live far from where treatment is given. The American Cancer Society might be able to help if you need lodging closer to treatment.

Talking with your health care team about costs can help you plan ahead and learn about options that may be best for you. Asking questions early will help you learn what your insurance covers plan for costs related to your care and find out what resources are available for financial help.

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Questions to ask about the costs of your cancer treatment

Many healthcare?facilities and treatment centers have a financial department that handles health insurance concerns and problems. Ask your cancer care team who you should talk to about treatment costs.

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Understanding health insurance

Health insurance can help lower the amount you pay for cancer care, but it can also be hard to understand. Your coverage, costs, and choices may depend on the type of insurance you have. Learning about your insurance options and how to manage medical bills can help you feel more prepared and know where to go for help.

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Financial hardship during cancer care and treatment

Financial hardships, also called financial toxicity, can happen with the cost of cancer care and treatment. Some people with cancer are not able to work full time or at all, both during and after treatment. Income may also be affected if a caregiver is not able to work either.

There are also some added costs, including:

• Travel costs, such as gas, parking, and tolls
• Lodging costs if you must travel for treatment
• Childcare or elder care if you are the primary caregiver for other people
• Special foods and household expenses

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How does financial hardship affect people with cancer?

Financial hardships can affect both physical and emotional health. Many people with cancer report having to make tough choices about their finances during and after treatment. This might include:

• Choosing between paying for treatment and paying for daily needs such as food, housing, or other expenses
• Delaying medical care for themselves or other family members
• Delaying getting prescriptions filled
• Using some or all of their savings or retirement funds
• Adding credit card debt or loans

Some of these choices might make it harder to keep up with treatments and follow-up care, which could affect a person¡¯s health long term and quality of life.