Medical Insurance policies are required to offer cancer screenings to their members at specific ages. There has been some controversy over the last few years about what the best ages to start screenings are. If you are a Medical Insurance provider, obviously it is less expensive to pay for a mammogram than breast cancer. Ditto for colorectal cancer screenings. Cancer is the number one killer in America. Cancer takes the lives of about 1,500 Americans every day and almost 547,500 in one single year.
Here’s another thing about cancer and Medical Insurance. If you are an adult living in the United States and you have had or have cancer it will be almost impossible for you to obtain Medical Insurance. Even if you have been in remission for 20 years. It can cost as much as $50,000 to treat breast cancer. The better and more prudent thing to do is to make sure you always have Medical Insurance. It needs to be a financial priority in everyone’s life. When you calculate your monthly budget and you figure what you owe each month there should be an entry for medical insurance.
Dr. Ned Calonge presided over the U.S. Preventive Services Task Force and received death threats over his recommendation that mammograms not be done until age 50 instead of age 40 which is the current recommendation. This is from The Atlantic, “More screening is not always better,” said Dr. Christine Laine, a general internist and editor of the Annals of Internal Medicine. Remember, that if you have medical insurance, you will receive one age-appropriate mammogram every year at no charge. Depending on what the benefits are on your specific medical insurance plan, you may have to pay any lab fees associated with the mammogram.
PSA tests, which is a cancer screening for prostrate cancer, is another test that has had doctors and Medical Insurance companies wondering. Early detection of prostrate cancer and treatment is most effective. This from the Mayo Clinic, “Professional organizations vary in their recommendations about who should – and who shouldn’t – get a PSA screening test. While some have definitive guidelines, others leave the decision up to men and their doctors.” Medical Insurance policies will pay for PSA tests at age appropriate intervals.
The American Cancer Society has recommendations for Colorectal cancer and polyps. Currently, colorectal cancer screenings are paid for by Medical Insurance plans at age 50 and then, according to the ACS should follow these testing schedules:
- Flexible sigmoidoscopy every 5 years, or
- Colonoscopy every 10 years, or
- Double-contrast barium enema every 5 years, or
- CT colonography (virtual colonoscopy) every 5 years