Why Lump Sum CHS ( Cancer-Heart Attack-Stroke) Insurance?

One of these policies will pay you a lump sum of $5,000 to over $50,000 when first diagnostic of a covered Cancer. This money goes directly to you, we believe that if we can relieve some of the stress of having to worry about money and let you focus on getting the right treatment,  Applying is easy most policy have only a few questions to qualify. When considering the amount of coverage there are a few things to take into account:

  • Cost of treatment, let’s keep it simple every health plan has a Maximum out of pocket (MOOP) Typically around $7,000 a year  (assume that treatment would go into at least 2 calendar years)
  • Monthly living cost mortgage, car payments, utilities, Cost of Insurances (Auto, home, health, life) (assume that treatment would and recovery would last at least 24 months)
  • Travel cost of treatment
  • Experimental Drugs not approved by FDA  (if necessary)
  • Out of Network Specialist may be needed (MOOP) is higher for out of network doctors
  • Medication after treatment (could last years) this cost would go towards your medical Insurance (MOOP) if medication is in formulary.

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1 in 2 men and 1 in 3 women will get Cancer

With the technology that we have today many types of cancer can be treated with early detection, most people think that with a good health Insurance plan that most of the cost to treat cancer would be covered

10 Facts about Cancer

  1. There are more than 100 types of cancers; any part of the body can be affected.
  2. In 2008, 7.6 million people died of cancer – 13% of all deaths worldwide.
  3. About 70% of all cancer deaths occur in low- and middle-income countries..

“Every 43 seconds, someone in the United States has a heart attack.”

Mozaffarian D, Benjamin

Heart Disease and Stroke Statistics—2015 update: A report from the American Heart Association. Circulation. 2015; 131(4):e29-322

A heart attack, also called a myocardial infarction, occurs when a part of the heart muscle doesn’t receive enough blood flow. The more time that passes without treatment to restore blood flow, the greater the damage to the heart muscle. Learn more about the signs and symptoms of a heart attack.

Every year, about 735,000 Americans have a heart attack. Of these cases

  • 525,000 are a first heart attack.
  • 210,000 happen to people who have already had a first heart attack.

One of 5 heart attacks is silent—the damage is done, but the person is not aware of it. Coronary artery disease (CAD) is the main cause of heart attack. A less common cause is a severe spasm, or sudden contraction, of a coronary artery that can stop blood flow to the heart muscle.

10 Facts about Heart Attacks

1. Every 20 seconds a heart attack occurs and a heart attack fatality occurs about every minute.

2. Almost 14 million Americans have a history of heart attack or angina

How many people are affected by heart disease?

Americans suffer 1.5 million heart attacks and strokes each year. Cardiovascular disease—including heart disease and stroke—is the leading cause of death in the United States. Every day, 2,200 people die from cardiovascular diseases—that’s nearly 800,000 Americans each year, or 1 in every 3 deaths

Can you die from heart disease?

Approximately 50% of men and 64% of women who died suddenly of coronary heart disease had no previous symptoms of this disease. Even if you have been told you have normal cholesterol don’t be misled; you may be at risk. Early detection can be critical for preventing a potentially lethal cardiac event.

How common is heart disease?

Heart disease is the leading cause of death for both men and women. More than half of the deaths due to heart disease in 2009 were in men. Coronary heart disease is the most common type of heart disease, killing over 370,000 people annually. Every year about 735,000 Americans have a heart attack.

Understand the signs of a stroke

Please know and understand the signs of a stroke, if caught in time and treated quickly there is a greater chance of recovery. Insurance will cover most of the cost of treatment and recovery in most cases you would have to meet your deductible and treatment could take awhile so thats why I recommend an additional Insurance policy to cover Specialty Diseases Like Cancer, Heart Attack and Stroke.

Note: in most cases if treatment and/or Recovery goes into the next calendar year the deductible and maximum out of pocket reset, so you could end up paying for those again.

8 Stroke Myths/Facts

Although stroke is the fifth leading cause of death in America and a leading cause of adult disability, many myths surround this disease. Test how much you know about stroke today

How often does a stroke occur in the US?

Every year, more than 795,000 people in the United States have a stroke, and of those almost 130,000 Americans die each year, that’s 1 out of every 20 deaths. On average, one American dies from stroke every 4 minutes.

MYTH: Stroke cannot be prevented

FACT: Up to 80 percent of strokes are preventable.

MYTH: There is no treatment for stroke.

FACT: At any sign of stroke call 9-1-1- immediately. Treatment may be available.

MYTH: Stroke only affects the elderly.

FACT: Stroke can happen to anyone at any time.

MYTH: Stroke happens in the heart.

FACT: Stroke is a “brain attack”.  The effect are typically seen through the body.

MYTH: Recovery only happens for the first few months.

FACT: Stroke recovery is a lifelong process. Treatment should start Immediately you will see the biggest improvements in the first few months.

MYTH: Strokes are rare.

FACT: There are nearly 7 million stroke survivors in the U.S. Stroke is the 5th leading cause of death in the U.S.

MYTH: Strokes are not hereditary.

FACT: Family history of stroke increases your chance for stroke.

MYTH: If stroke symptoms go away, you don’t have to see a doctor.

FACT: Temporary stroke symptoms are called transient ischemic attacks (TIA). They are warning signs prior to actual stroke and need to be taken seriously.