Buy Cancer Insurance Online: How to Shop, Compare and Buy Safely

Key Takeaway

You can buy cancer insurance online from carriers such as Mutual of Omaha and HealthSpring, which let you start an application on their websites, usually with a short health questionnaire and no medical exam. Compare benefit amounts, waiting periods and exclusions first, and use the free look period to review the policy after it arrives.

Mutual of Omaha. Invites shoppers to apply online for its cancer, heart attack and stroke coverage, with no physical exam and a 30-day free look.

HealthSpring. Lets you start a purchase online by entering your ZIP code for its lump-sum and cancer treatment plans, with issue ages of 18 to 99 in most states.

Other carriers. Some sell mainly through agents, often with an online or phone application the agent sends you.

Cancer Insurance Quotes

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Pick your benefit amount first. Size the lump sum to your health plan’s out-of-pocket maximum plus a few months of bills. Lump sums commonly range from $5,000 up to $75,000 or $100,000 depending on the carrier.

Check the waiting period. Many policies do not cover a cancer first diagnosed in roughly the first 30 days of coverage.

Read how early-stage cancer pays. Some plans pay a reduced share for carcinoma in situ or exclude most skin cancers other than melanoma.

Look at recurrence rules. See whether the policy pays again if cancer returns, and after how long.

Compare the same benefit across carriers. Quote the same lump sum at two or three companies so prices line up fairly.

Use the free look: Many policies give you a free look period, often 30 days, to read the policy after it arrives and cancel for a full premium refund. Mutual of Omaha and Aetna both list a 30-day free look in their materials.

Claims it replaces health insurance. No cancer policy is major medical coverage. Any site that says otherwise is misleading you.

No insurer name. The page should name the insurance company that issues the policy, not just a marketing brand.

Pressure to buy today. Real policies do not vanish overnight. Take time to read the outline of coverage.

Odd payment requests. Pay only the insurer or its billing system, never by gift card or a wire to a person.

Broker tip: If you are unsure about a company or agent, look them up on your state insurance department’s website before you pay.

Good fit for online. Self-employed people, early retirees and anyone without a workplace option who wants a quick lump-sum policy.

Better with an agent. People with past health issues, those comparing several carriers, or anyone unsure between a lump sum and a treatment plan.

➤ Can I buy cancer insurance online?

Yes, in many states. Carriers such as Mutual of Omaha and HealthSpring let you start an application on their websites, and agents can send you online applications for other carriers.

➤ Do I need a medical exam to buy cancer insurance online?

Usually not. Most individual cancer policies use a short health questionnaire instead of an exam, though past cancer can affect whether you qualify.

➤ Can I buy cancer insurance on HealthCare.gov?

No. HealthCare.gov sells major medical and dental plans. Stand-alone cancer insurance is bought directly from insurers, through agents or at work.

➤ How fast does online cancer insurance start?

Coverage starts on the effective date in your policy, but many plans have a waiting period of about 30 days before a new diagnosis is covered.

➤ What is a free look period?

It is a window, often 30 days, to review your policy after it arrives and cancel for a full refund of premiums paid.

➤ Is it cheaper to buy cancer insurance online than through an agent?

Not necessarily. Premiums are filed by the insurer, so the same policy usually costs the same either way. An agent can compare several carriers at once.

➤ Can I buy cancer insurance online if I am on Medicare?

Yes. Many carriers sell cancer policies to people on Medicare, with upper issue ages from about 70 to 99 depending on the company.

➤ Does cancer insurance bought online replace health insurance?

No. It is a supplemental, limited-benefit policy that pays cash on top of your health plan. You still need employer, Marketplace, Medicare or other major medical coverage.

Cancer Insurance Quotes

Call a Licensed Agent Now

Compare cancer insurance plans and cash benefits from several insurance companies in one call.

☎ 1-888-891-0229

No obligation to buy