At Hope4Cancer, we realize that not everyone has the financial means readily available for a long-term treatment plan. We also know that most insurance companies don’t cover healthcare costs outside their country of origin. We want you to know that there is plenty of financial help for cancer patients. You still have the option to choose the treatment that resonates with you.
Below is a list of financial resources that may help to fund your healing journey. If you have any questions regarding insurance coverage or financial assistance, please do not hesitate to call us. We are here and happy to help!
Watch the video above for a short discussion on finances and exploring options that may be available for you or a loved one.
Life Credit Company
A Living Benefit Loan makes it possible for you to receive up to 50% of your life insurance policy’s death benefit today by borrowing against your life insurance. For example, if you have up to $200,000 of coverage, we can loan you up to $100,000 secured solely by your policy. You do not lose your life insurance and your beneficiaries remain the same. If you have at least $75,000 of coverage and have been diagnosed with cancer or another serious medical condition, you may qualify for a life insurance loan. If you have more questions about borrowing against life insurance policies, contact them for a free consultation.
Unfortunately, cancer patients are 2.65 times more likely to file for bankruptcy than their non-diagnosed equivalents. But for patients with existing life insurance policies, LifeGuide offers an innovative financial solution. By selling all or a portion of your life insurance policy, you can convert your policy value into immediately accessible funds that can be put toward treatment expenses and/or preventing medical debt. Click here to begin your confidential no-cost, no-obligation review with a LifeGuide representative and see if your policy qualifies, or call: 1 (833) 2CANCER.
Medical Bill Gurus
Medical bills can pile up quickly throughout a cancer diagnosis. What if your existing policy should have covered treatment that you weren’t aware of, or didn’t realize they would? Good news! You may still be able to get coverage. The experts at Medical Bill Gurus can analyze your policy risk-free with no upfront fees. A trusted and valuable partner to our patients, Medical Bill Gurus has had great success getting bills covered by our patients’ PPO policies. At last count in 2020, 26 of our patients have recovered a total of $616,859 in insurance reimbursements through working with Medical Bill Gurus — an average savings of $23,725 per patient!
To assess your policy or current medical bills, reach out to the Medical Bill Gurus here.
Abacus Life Settlements
Abacus Life Settlements gives patients the option to use their life insurance to cover treatment cost. An industry leading life settlement buyer, Abacus has helped thousands use life insurance for present need instead of future benefit. With a perfect BBB rating, they’re often able to pay out between 50% and 80% of a policy’s face amount. Many clients are able to receive their proceeds in less than 30 days. After receiving a settlement, it is yours to use however you want. From funding treatment to investing in the future, there are many ways to make your life insurance a living benefit. Click here to learn more about how Abacus can help fund your cancer care.
If you’d prefer to speak to an Abacus representative, please contact Ashleigh Hammad at 321-204-7074; [email protected]
Since the Affordable Care Act, there have been a lot of changes in the healthcare industry. As a result, many Christian organizations have looked for ways to give people control of their healthcare choices again. Several non-insurance health-share companies have developed a way to provide members with the ability to seek the care they desire.
More and more, we see patients come to our treatment centers without cost, covered by this unique approach and getting the medical care that works best for their personal choices. Below are several organizations that have shared patient treatments at one of our centers. Discover your options through the links below:
- Samaritan Ministries: https://samaritanministries.org/
- Christian health care sharing ministries give their members control of their medical choices and may be able to share your medical expenses with fellow members. Samaritan Ministries International™ health care sharing ministry is focused on providing emotional and spiritual support to members who have medical needs that can be shared under our ministry Guidelines. If you’re an active member of a health care sharing ministry, please reach out to them to discuss whether integrative & alternative cancer treatments expenses can be shared.
- Medi-Share: https://www.medishare.org/
- Christian Healthcare Ministries: https://chministries.org/
Fundraising & Donations
Fundraising can be a great option for those who cannot cover the cost of their treatment out of pocket. We have seen family, friends, and entire communities come together to support patients.
Personal crowdfunding websites like GoFundMe are a great tool for raising money. Several site users successfully fund medical expenses, from cancer treatments to heart transplants. If you need help funding medical costs for you or someone you care about, learn more about medical fundraising here
If you have a great network of people in your community, holding a benefit might help you raise treatment funds. Many of our patients have found success with this method – read Lisa Engelman’s personal account of her touching story here.
Applying for a personal loan is a simple way to alleviate immediate financial pressure and cover costs while receiving treatment. Below are a few of the lenders our patients have found to be helpful over the years.
LendingTree is an online loan marketplace with one of the largest lender networks in the nation. By letting consumers view offers from several lenders at once, LendingTree helps you get the best deal possible. To learn more or apply for a personal loan, visit LendingTree here.
An online-only lender, SoFi is able to keep expenses down and as a result, pass savings along to customers. Online applications allow you to get through information faster and waste less time. Looking beyond credit scores, SoFi also considers factors like cash flow, career, and education in the approval process. Find out your approved rate in minutes without affecting your credit score here.
Medical Loan Providers
Private lending providers like LightStream offer loans for medical financing at low-interest rates. Apply online to determine your monthly rate with no down payment and no fees.
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