Financial Assistance
Programs and resources to help manage the financial challenges of cancer.
Cancer is expensive. Even with insurance, the costs of treatment, medications, travel, and lost income can be overwhelming. But there is help available, and knowing where to look can make a significant difference.
Financial stress during cancer is incredibly common. There is no shame in seeking help. Many organizations exist specifically to support cancer patients financially.
Insurance Navigation
- Review your insurance policy carefully — understand your deductible, copays, and out-of-pocket maximum
- Ask your cancer center's financial counselor for help — they deal with insurance daily
- If you're uninsured, ask about Medicaid, marketplace plans, or charity care programs
- Appeal denied claims — many denials are overturned on appeal
Copay Assistance Programs
Many pharmaceutical companies and nonprofits offer programs to reduce or eliminate copays for cancer drugs.
PAN Foundation
Copay assistance for underinsured patients with chronic and life-threatening conditions.
HealthWell Foundation
Premium and copay assistance for patients with chronic diseases including cancer.
Travel and Lodging
Cancer treatment often requires travel. These organizations help:
American Cancer Society — Hope Lodge
Free lodging near treatment centers for cancer patients and caregivers.
Angel Flight America
Free flights for patients who need to travel for medical treatment.
General Financial Assistance
Cancer Financial Assistance Coalition
A searchable database of financial help from multiple organizations.
Family Reach
Financial planning, emergency grants, and resource navigation for cancer families.
Patient Advocate Foundation
Case management, insurance appeals help, and copay relief.
Tips for Managing Cancer Costs
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- Talk to your cancer center's financial counselor early — don't wait
- Review your insurance policy and understand your benefits
- Ask about generic alternatives for medications
- Apply for assistance programs before you need them — many have waitlists
- Keep detailed records of all medical expenses for tax deductions
- Explore disability benefits if you can't work (SSDI, short-term disability)
- Don't ignore bills — call and negotiate or set up payment plans
- Ask about financial hardship programs at your hospital
Disability and Income Support
If cancer prevents you from working:
Short-term disability insurance
Check if your employer offers it
FMLA
Protects your job for up to 12 weeks of unpaid leave
SSDI
Social Security Disability Insurance for long-term disability
SSI
Supplemental Security Income for those with limited income
Some cancer diagnoses qualify for expedited Social Security disability processing through the Compassionate Allowances program.