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Cancer insurance helps with the cost of medical bills.

We work with IHC Specialty Benefits and Aflac to offer plans to help protect your financial health.

To discuss your options, call a licensed sales agent.

Explore plans for cancer insurance

Call 855-330-6618

For TTY devices, dial 711

Hours of operation for IHC Specialty Benefits

Monday to Friday
7:30 a.m. to 7 p.m. CT
Saturday
Closed
Sunday
Closed

Note: Days and times may vary.

What’s cancer insurance?

It’s supplemental health coverage that helps pay for out-of-pocket medical expenses that your primary health insurance may not cover.

Who it can help

If you have an increased risk of cancer due to your family history or want extra financial protection, it may be right for you.

If you’ve previously had a cancer diagnosis, read the related FAQ.

What does cancer insurance cover?

You can get reimbursed directly for things like:

  • Yearly cancer screenings and initial diagnosis.
  • Radiation and chemo treatments.
  • Surgeries, hospital stays and doctor visits.
  • Transportation to care centers and lodging.

Why get insurance through USAA?

With Aflac, we’ve designed plans specifically for our members.

We also work closely with companies like IHC Specialty Benefits to make sure they give you the same service you’d get from us.

Explore plans for cancer insurance

Some ways it can help

Get regular screenings.

With the plan’s yearly screenings, you could detect cancer earlier and potentially have a better chance of treating it.

Pay medical bills and more.

Because the plan pays you directly, you can use the money how you want. It can help cover lost wages and expenses like rent or groceries.

Travel to get better care.

If you need to travel farther for a specialist’s treatment, knowing that your plan helps cover the cost of transportation and a place to stay lets you focus on getting better.

Cover your family too.

You can also add your spouse and children to your coverage for more financial protection.

Is cancer insurance worth it?

Cancer is one of the most expensive medical conditions to treat. And medical bills are the leading cause of bankruptcy in the U.S., according to a study by the American Bankruptcy Institute.

Based on your age and location, you can apply for a cancer insurance plan for as little as $20.41 a month.‍ ‍ See note 1 Knowing you’re prepared for a major health issue can help give you some peace of mind.

Cancer insurance FAQ

You can file a claim online anytime on the Aflac website, with the MyAflac mobile app, or by email or fax. Then you can choose whether they send reimbursement payments to you or your medical provider.

Depending on the insurer, you can file claims on their website or by email or fax.

The specific qualifications for cancer coverage vary from state to state. We recommend contacting an agent for complete details.

But if you’ve had skin cancer, you can get a policy that excludes skin cancer.

While critical illness insurance provides benefits for noninvasive and skin cancers, cancer insurance is meant to provide coverage for all types and stages of the disease.

We work closely with companies like IHC Specialty Benefits and Aflac to help you find the right policy to fit your needs.

Aflac offered its first cancer policy in 1957. They know how to help cancer patients with the financial challenges of the disease.

These companies also provide the same level of service you’d get from us.

Other insurance resources

Guide to supplemental health insurance

Article: 5 minutes

Read article Guide to supplemental health insurance

A guide to life insurance for cancer patients and cancer survivors

Article: 5 minutes

Read article: A guide to life insurance for cancer patients and cancer survivors

Health Insurance 101: Key terms and costs

Article: 9 minutes

Read article: Health Insurance 101: Key terms and costs

Need primary health insurance?

Your wallet is better protected when you have both a primary policy and supplemental health gap insurance.

Start with a primary plan that meets your specific needs.

Explore plans for a health insurance quote

Learn more about health insurance

Other plans to keep you healthy

Critical Illness

Get financial assistance that may help you focus on recovery instead of worrying about medical bills.

Learn about critical illness for critical illness insurance 

Accidental Injury

Make sure you’re prepared for medical expenses resulting from unexpected accidents.

Learn about accidental injury for accidental injury insurance

Vision

Get access to the largest network of doctors through VSP® Individual Vision Plans.

Learn about vision insurance for vision insurance

Get financial support in the fight against cancer.

To discuss your plan options, call a licensed sales agent.

Explore plans for cancer insurance

Call 855-330-6618

For TTY devices, dial 711

Hours of operation for IHC Specialty Benefits

Monday to Friday
7:30 a.m. to 7 p.m. CT
Saturday
Closed
Sunday
Closed

Note: Days and times may vary.

Related footnotes:

  1. Rate shown is individual coverage for a 43 year old standard cancer plan with no riders in the state of Texas. Rates can vary by age and state.

Related footnotes:

  1. Health Insurance Solutions provided through USAA Life General Agency (LGA) known in CA and NY as USAA Health and Life Insurance Agency, working with select insurance companies to provide products to our members. LGA receives compensation from these companies, based on the total quantity and quality of insurance coverage purchased. Plans are not available in all states. Coverage is underwritten by the respective insurance company. Each company has sole financial responsibility for its products.

  2. IHC Specialty Benefits, Inc. (IHC SB), 5353 Wayzata Blvd, Ste 300, St. Louis Park, MN 55416, CA Lic. 0I32310 is a licensed insurance agency that works with producers, affinity groups, membership associations, and consumers to provide the technology, knowledge, and support they need to navigate the health insurance landscape.

  3. Critical Illness insurance pays a cash benefit upon diagnosis or treatment of certain covered illnesses. There will be a limit on how much a policy will pay each year. Critical Illness insurance is not comprehensive health insurance. Critical illness insurance may not be available in all states. Benefits and premiums will vary based on plan selected. Coverage may have a waiting period following enrollment. Refer to a policy for complete benefit details, definitions, limitations, and exclusions.

  4. Cancer insurance pays a lump sum upon diagnosis or treatment of certain covered illnesses. There will be a limit on how much a policy will pay each year. Cancer insurance is not comprehensive health insurance. Cancer insurance may not be available in all states. Benefits and premiums will vary based on plan selected. Coverage may have a waiting period following enrollment. Refer to a policy for complete benefit details, definitions, limitations and exclusions.

  5. ©2025 Vision Service Plan. All rights reserved. VSP is a registered trademark, and VSP Individual Vision Plans is a trademark of Vision Service Plan. All other brands or marks are the property of their respective owners.

  6. Cancer/Specified-Disease Insurance - T70000 Series

    In Arkansas, Policy T70000ARR. In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Oregon, Policy T70000OR. In Pennsylvania, Policies T70000PA, T7000GPA. In Texas, Policy T70000TXR. In Virginia, policies T70000VA & T70000GVA. Not available in NY or NJ.

    This is a brief product overview only. Benefits/premium rates may vary based on plan selected. Optional riders may be available for an additional premium cost. The policies may contain a waiting period. The policy/rider has limitations and exclusions that may affect benefits payable. Refer to outline of coverage and/or policy for complete benefit details, definitions, limitations, and exclusions.

    These policies are a supplement to health insurance and are not substitutes for major medical coverage. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.

  7. Limitations & Exclusions for Arizona:

    Except as specifically provided in the Benefits section of this policy, Tier One will pay only for treatment of Cancer or Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); complications of either Cancer or an Associated Cancerous Condition; or any other disease, sickness, or incapacity.

    If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed after the date the application for coverage was signed but before the Effective Date of coverage, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring after two years from the Effective Date of such person’s coverage. You may, at your option, elect to void the coverage and receive a full refund of premium.

    The Initial Diagnosis Benefit is not payable for: (1) any Internal Cancer or Associated Cancerous Condition diagnosed or treated before the Effective Date of this policy and the subsequent recurrence, extension, or metastatic spread of such Internal Cancer or Associated Cancerous Condition; (2) the diagnosis of Nonmelanoma Skin Cancer. Any Covered Person who has had a previous diagnosis of Internal Cancer or an Associated Cancerous Condition will NOT be eligible for an Initial Diagnosis Benefit under this policy for a recurrence, extension, or metastatic spread of that same Internal Cancer or Associated Cancerous Condition.

    Tier One will not pay benefits whenever coverage provided by this policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.

    Tier One will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.

    Tier One will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under this policy; or (2) fraud is committed or attempted in connection with any matter relating to this policy.

    Tier One will not pay benefits if you fail to cooperate with our investigation into the validity of your claim. [We may examine any Covered Person under oath, while not in the presence of any other Covered Person and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including a Covered Person’s books and records. In the event of an examination, a Covered Person’s answers must be signed.]

  8. "Limitations & Exclusions for Idaho: Except as specifically provided in the Benefits section of this policy, Tier One will pay only for treatment of Cancer, Associated Cancerous Conditions, or other conditions or diseases directly caused, complicated or aggravated by or resulting from Cancer or an Associated Cancerous Condition, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity. This policy's waiting period is shown in the Policy Schedule. If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before the end of the waiting period shown in the Policy Schedule, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring on or after 31 days from the Effective Date of such person's coverage. At your option, you may elect to void the coverage and receive a full refund of premium. The Initial Diagnosis Benefit is not payable for: (1) Internal Cancer or an Associated Cancerous Condition diagnosed during this policy's 30-day waiting period; (2) the diagnosis of Nonmelanoma Skin Cancer; or (3) claims incurred prior to the Effective Date of this policy. A claim for the Initial Diagnosis Benefit is considered incurred on the date the tissue specimen, culture, and/or titer is taken upon which the original distinct diagnosis of Internal Cancer or Associated Cancerous Condition is based. Tier One will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions. Tier One will not pay benefits if you fail to cooperate with our investigation into the validity of your claim. [We may examine any Covered Person under oath, while not in the presence of any other Covered Person and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including a Covered Person's books and records. In the event of an examination, a Covered Person's answers must be signed.]"

  9. Limitations & Exclusions for Virginia:

    Except as specifically provided in the Benefits section of this policy, Tier One will pay only for treatment of Cancer or Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence or any condition(s) or disease(s) directly caused or aggravated by the specified disease(s) or the treatment of the specified disease(s). Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity.

    If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before after the date the application for coverage was signed but before the Effective Date of coverage, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring after twelve months from the Effective Date of such person's coverage. You may, at your option, elect to void the coverage and receive a full refund of premium.

    The Diagnosis Benefit is not payable for: (1) any Internal Cancer or Associated Cancerous Condition diagnosed or treated before the Effective Date of this policy and the subsequent recurrence, extension, or metastatic spread of such Internal Cancer or Associated Cancerous Condition; or (2) the diagnosis of Nonmelanoma Skin Cancer. Any Covered Person who has had a previous diagnosis of Internal Cancer or an Associated Cancerous Condition will NOT be eligible for an Diagnosis Benefit under this policy for a recurrence, extension, or metastatic spread of that same Internal Cancer or Associated Cancerous Condition.

    This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.

    Tier One will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.

    Tier One will not pay benefits whenever fraud is committed in making a claim under this coverage, subject to the Time Limit on Certain Defenses provision.

    Aflac's family of insurers include Aflac, Aflac New York, Continental American Insurance Company, and Tier One Insurance Company.

    Coverage is underwritten by Tier One Insurance Company. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).

    Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999.

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