Approximately 1 in 8 women born today in the United States will get breast cancer at some point, the second most common kind of cancer in women1. While most women can survive breast cancer if it’s detected and treated early 1, there are several lifestyle factors that your clients should consider when assessing risk, including:
- Consuming dairy (with risk of death increasing for those who continue to consumer dairy after diagnosis)2
- Being overweight or obese3
- Not being physically active3
- Regularly drinking alcohol4
- Taking hormone replacement therapy4
- Taking hormonal birth control3
The month of October is Breast Cancer Awareness Month, an opportunity to raise awareness about steps women can take to decrease their risk and to detect and treat this disease. It’s also an opportunity to help your clients protect themselves from potential financial challenges that can come with breast cancer treatment. When faced with high deductibles, high copays, and high premiums, it can be difficult for your clients to afford medical coverage.
Limited medical plans can offer economical options that can help do just that for your clients who are:
- Anticipating rising medical expenses
- Unable to afford major medical coverage
- Not eligible for short-term medical coverage
- Looking for supplemental coverage to their major medical plans
With these products, you can offer your clients many features, including:
- The freedom to choose any doctor or hospital of their choice
- Guaranteed issue coverage with $50-$100 paid toward doctor and specialist visits
- Offer preventative care for $50, $75, $80, $100
- Next day coverage or little to no waiting periods for accidental injuries or sickness
- 12 month waiting period for pre-existing conditions
What are the limitations of limited medical coverage?
This type of plan does not count as minimum essential coverage required by the Affordable Care Act and is not suitable to serve as your clients’ only medical coverage. Although the premiums may be lower than a major medical plan, the benefits are also lower and more restricted.
You may have clients who need to supplement their existing coverage, but who are worried about affordability and value. With limited medical coverage, they have the option to take advantage of low premium rates and out-of-pocket expenses, discounted network rates, and even access to non-insurance benefits such as a prescription savings program, 24/7/365 video and phone access to quality physicians, and a patient advocacy service.
Learn more about how limited medical options may be ideal for your clients by:
- Calling 1.877.376.5831 and selecting option 3
- Emailing firstname.lastname@example.org
Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.
For agent use only – not for use with the general public.
1: “October: National Breast Cancer Awareness Month.” U.S. Department of Health and Human Services. https://healthfinder.gov/NHO/OctoberToolkit.aspx
2: “High – and Low-Fat Dairy Intake, Recurrence, and Mortality After Breast Cancer Diagnosis.” Candyce H. Kroenke Marilyn L. Kwan Carol Sweeney Adrienne Castillo Bette J. Caan. https://academic.oup.com/jnci/article/105/9/616/986948/High-and-Low-Fat-Dairy-Intake-Recurrence-and
3: “Lifestyle-Related Breast Cancer Risk Factors.” American Cancer Society. https://www.cancer.org/cancer/breast-cancer/risk-and-prevention/lifestyle-related-breast-cancer-risk-factors.html
4: “Lifestyle: How Our Lifestyle and Choices Affect Breast Cancer Risk.” Breast Cancer Now. http://breastcancernow.org/about-breast-cancer/what-can-cause-breast-cancer/lifestyle