Financial Help

Cancer Matrix

Financial Help

Cancer care can be expensive, and the stress from medical bills and other costs is sometimes called “financial toxicity.” This means that money worries can affect your health, your choices, and your peace of mind. Costs may include doctor visits, treatments, prescriptions, travel, lodging, and even lost income from missing work.

The good news is that you’re not alone—there are many programs and people who can help. Cancer GPS connects patients and caregivers with resources to reduce the financial burden so you can focus on healing and recovery.

Useful Links

1. — NeedyMeds $

2. — CancerCare $

3. — Cancer Financial Assistance Coalition $

4. — Patient Advocate Foundation $

5. — American Cancer Society $

FAQ

How can I estimate my costs?

Ask your doctor’s office or hospital billing department for a treatment cost estimate. Then call your insurance company to find out what they will pay and what you’ll need to pay out-of-pocket. This includes deductibles, co-pays, and coinsurance. It’s okay to ask for help understanding these terms.

Who can explain my insurance?

A hospital financial counselor or your insurance case manager can walk you through your coverage. They can explain what’s covered, what isn’t, and how to appeal decisions if needed. Don’t hesitate to ask questions—they’re there to help.

What if I can’t afford my medicine?

There are options:

  • Drug manufacturers often have discount or assistance programs.
  • Nonprofit organizations may help pay for medications.
  • Ask your doctor if there’s a generic version of your medicine, which may cost less.
  • A social worker or pharmacist can help you apply for these programs.
Are there programs for travel and lodging?

Yes. Organizations like the American Cancer Society offer:

  • Free or low-cost rides to treatment.
  • Lodging near major cancer centers (like Hope Lodge).
  • Some hospitals also partner with hotels or charities to help with housing.
Can hospitals lower my bills?

Yes. Many hospitals have:

  • Charity care programs for patients with low income.
  • Sliding scale discounts based on your financial situation.
  • Payment plans to spread out costs over time. Ask to speak with a financial counselor to see what you qualify for.
What are co-pay assistance programs?

These programs help pay part of your prescription co-pays. They’re often run by:

  • Drug companies
  • Nonprofits like PAN Foundation or Good Days You can apply online or ask your doctor’s office for help.
Am I eligible for disability or family leave?

If cancer affects your ability to work, you may qualify for:

  • Social Security Disability Insurance (SSDI)
  • Supplemental Security Income (SSI)
  • Family and Medical Leave Act (FMLA), which allows unpaid time off to care for yourself or a loved one A social worker or HR representative can help you apply.
How do I apply for Medicaid or Medicare?
  • Medicaid is for people with low income and is run by each state.
  • Medicare is for people over 65 or with certain disabilities. You can apply online or get help from a hospital social worker or local health department.
What charities help with costs?

Many organizations offer financial help:

  • CancerCare
  • Leukemia & Lymphoma Society
  • The Pink Fund
  • Local churches or community groups They may help with bills, transportation, food, or other needs.
How can caregivers handle money stress?

Caregivers can:

  • Use budgeting tools to track spending.
  • Ask for help from social workers or financial counselors.
  • Connect with nonprofit programs that support caregivers.
  • Join support groups to share tips and reduce emotional stress.

How AskBernie Helps

Feeling overwhelmed by bills or insurance questions? AskBernie can:

  • Suggest financial assistance programs based on your situation.
  • Help you understand insurance terms like deductibles, co-pays, and out-of-pocket maximums.
  • Provide scripts for calling insurance companies or hospitals, so you know what to say.
  • Help you find charities and nonprofit programs that offer financial support.
  • Guide you through applying for Medicaid, disability, or drug assistance programs.
  • Offer tips for budgeting and managing costs during treatment.

AskBernie is your financial navigator—ready to help you take control of your care without being buried in paperwork or stress.

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