Joe Frazier died on Monday, November 7th, 2011 at the age of 67 from liver cancer.  Nicknamed Smokin Joe Frazier he got that name because of his punching power.  He was one of the hardest hitting heavyweights in boxing history.

Mr. Frazier was diagnosed with liver cancer in September, 2011.  I don’t know if he had Medical Insurance but I hope so.

There are two types of liver cancer.  True liver cancer called hepatocellular carcinoma is a cancer that comes from the liver.  It is also known as primary liver cancer or hepatoma.  Sometimes when patients or doctors refer to liver cancer they are speaking of cancer that has spread to the liver from other organs.  This type of liver cancer is called metastatic liver cancer or secondary liver cancer.  Medical Insurance policies will cover liver cancer no matter what type a person may have.

Primary liver cancer is the third most common cancer in the world.  It’s a deadly killer and almost all patients who have it will be dead within a year.  Ever heard the expression “catastrophic Medical Insurance”?  Liver cancer would be one of tho se diseases that would fall into that category.  I have spoken to many people who were shopping for Health Insurance Quotes and could not understand why, if they had hepatitis B or C they were not eligible for major Medical Insurance.  Hepatitis can affect the risk of developing liver cancer.  That is the reason for an automatic denial from Medical Insurance carriers if you have hepatitis.

If your doctor suspects liver cancer he/she is going to want to run a whole slew of tests.

The part where it is very important to have Medical Insurance and to understand the provisions of your individual Medical Insurance policy.  Let’s take a look at some of the tests and how they would most likely be covered by your Medical Insurance provider.  Cancer.gov lists what testing would most likely be done:

Physical exam and history:  if your Medical Insurance comes with doctor co-pays that is what you would pay.  Most likely you would start with your family physician.

Serum tumor marker test: Blood would be taken during your physical exam and the lab work may or may not have to be paid by you depending upon your Medical Insurance policy.

Liver function tests:  Again, depends on your Medical Insurance policy.  Some Medical Insurance providers offer free lab work.

CT scan: There are some Medical Insurance policies that only require the patient to pay a flat rate for a CT scan.  On other Medical Insurance policies the deductible will apply.

The tests above are just a sampling of what to expect if you suspect liver cancer.  You can see how important it is to purchase the best Medical Insurance plan available to you and within your budget.  The services of a licensed Medical Insurance broker are available to you to help you get the best bang for your buck.  Please give us a call at Insurance Medics and we will help you get a Medical Insurance plan that just right for you and your family.

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