​How to Fund Your Terminal Illness

​Treatment ​Without a Loan

​​​It's a question almost everyone asks: ​“How am I going to pay for these treatments?”

​If you have been diagnosed with cancer or some other terminal illness and decide to pursue a natural or integrative protocol, traditional insurance policies may not cover the cost of treatments. In this case, there are options to help ensure that everyday financial responsibilities do not become overwhelming.

Big picture, there are different types of costs related to your care — the type cancer treatment, travel costs to see the doctor, food, lodging, medications. It's important to carefully budget for the assistance you may need. Also, don't be short-sighted; your daily life is changing and this will be a long-term battle physically, emotionally, and financially.​

This trusted natural cancer care company did the heavy lifting by researching all the good cancer clinics for us.
 
​Orthodox medicine treats patients they never should have treated in the first place. They do procedures which often do more harm than good. Furthermore, health insurance policies do not cover the more effective and less expensive natural medicine cancer treatments. The good news is that there are many effective cancer treatments that are inexpensive.
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Given the complexity of treating a cancer patient who has been sent home to die, the best natural medicine treatments and clinics come with expert support and are relatively expensive, for example the Cellect-Budwig with High RF Frequency Generator protocol.

​However, if insurance does not cover the cost of your treatments, there are several organizations that help people with cancer who are facing financial challenges.  One of your jobs is to try and find organizations local to you, that support cancer patients.

Funding Strategies
Frankly, for various reasons, almost all natural or integrative healthcare professionals do not accept medical insurance. However, there are ways to pay for natural or integrative treatments. We have seen patients use a variety of strategies to pay for treatments. Sometimes it’s one or a combination of these:

Home Mortgage
For those owning a home, taking a home mortgage seems to be a significant way to obtain funds to pay for treatments. As one person put it, “It’s my home, I’m paying for it and if it can help me now to remain living in it, why not? If I pass away it won’t matter anymore anyway.” If you can get money out of your home equity, it makes perfect sense to use it to save your life.

Financing
Some patients opt to use 0 percent or low-interest credit cards to get treatments started. Others use companies that specialize in providing loans for healthcare, like Care Credit. It’s like a credit card for healthcare. They have 12-month interest-free options available.

Networking
GoFundMe and Caring Bridge remain strong options. Patient advocates have held yard sales, bake sales, and other fund-raising events. There should be no shame on the part of a cancer patient asking for financial help.

No donation is too large or small. All donations are a gift of love. It’s amazing to find that $20 multiplied by so many hands can cover treatment costs.

Many patients are happily surprised to find there are many charitable people just waiting for an opportunity to help. Others seek out foundations or grants for treatments. We encourage you to research what may be available in your local area.

Health Share Networks
Some already have dumped their medical insurance, learning what doctors know: Medical insurance is sick care, not health care.
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Health Share Networks continue to be an exciting ongoing development. Good decent people committing to pay monthly for the healthcare of others and vice versa. Organizations like Samaritan Ministries or Medi-Share have been doing this for more than 20 years with tens of thousands of members paying tens of millions of dollars monthly for healthcare costs, including the cost of natural or integrative treatments.

These are not medical insurance companies. You are signing up to pay a portion (share amount) of a member’s medical bill and they are doing the same for you. The members are interdependent of each other. Pre-existing conditions, like cancer, are not qualified to be included with mandatory monthly share amounts but are provided as additional sharing options to members desiring to help those with pre-existing needs or needs outside of member guidelines. That’s good news.

The better news is that any new member will have their future medical needs that meet member guidelines paid for by its members. Keep in mind, unless they have a different policy, your doctor will still require payment at the time of your consultation or treatment. So any means of payment you use, in essence, would be repaid by you once you receive your monthly share amount.

In the United States, health share networks are excluded from the Affordable Care Act.

• Liberty HealthShare
• Medi-Share
• Christian Healthcare Ministries
• Samaritan

​ Sharing Guidelines may vary (specific exceptions, rules, etc). See individual sites for details.

Treatment
Local faith-based churches, synagogues, and mosques may help, sometimes even if the cancer patient is not a member of that organization or religion. Catholic Charities USA, Jewish Social Services Agency, Lutheran Social Services, and others may offer financial assistance. Ask about grants to help cover the cost of treatment and other expenses.

There also are national organizations that may help offset costs of treatments:

• Dempsey Center — free support, education, and integrative medicine to anyone affected by cancer.
• Cancer Financial Assistance Coalition — organizations helping cancer patients manage financial challenges.
• CancerCare — limited financial assistance for people affected by cancer.
• HealthWell Foundation — independent, non-profit that helps insured patients with a chronic, life-altering disease afford their medications.

Housing
If you have to travel to see a doctor for cancer treatment, depending on the protocol, most likely you will need to stay for a few days. If you need help with lodging costs:

• Healthcare Hospitality Network — association of more than 200 nonprofit organizations that provide lodging and support services to families and their loved ones who are receiving medical treatment away from home.
• Joe's House — non-profit that helps cancer patients and their families find a place to stay when traveling away from home for medical treatment.

Travel
OK, so you have found a clinic — now, how do you get there for the cancer treatment? There are several transportation services that can assist you:

• Air Care Alliance — central listing of free transportation services provided by volunteer pilots and charitable aviation groups.
• LifeLine Pilots — volunteer pilots who donate their time and all flight expenses to people in need of free transportation for on-going treatment, diagnosis, and follow-up care.
• National Patient Travel Center — information about long-distance travel for cancer patients and their families in need of travel.

Advocacy
Paying for cancer treatment or other terminal illness treatments can weigh on your mind. While focusing on your health, there isn't a lot of time to dedicate to making sure the bills are paid. But you must do it! If you need help charting a course:

• Patient Access Network Foundation — focused on ensuring underinsured patients living with life-threatening, chronic and rare diseases get the financial assistance they need.
• Patient Advocate Foundation — provides patients with arbitration, mediation and negotiation to settle issues with access to care, medical debt, and job retention related to their illness.

Do your homework
Sometimes a patient may travel from one country to another to see a Cancer Specialist. Before talking with a doctor, a financial rep, or anyone associated with your health care, prepare for the meeting: If you feel intimidated, get a family member or friend, to accompany you as your health advocate.

• Write down your questions before the appointment. Please don't feel bullied...ASK questions. This is your body, your life.

 

• Write notes during the conversation or even tape the conversation; most smartphones can record audio. Don't try to remember everything from memory. In your anxious state, you may forget everything.

 

• If you do not understand something, ask a follow-up question or for a clearer explanation. There are no stupid questions.

 

• It is your right to seek a second opinion. In fact, you should seek a second opinion! It's unfortunate, but there are doctors who are profiting from giving false cancer diagnosis. It has been happening more that you would ever think. Sad but true.

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• Research what a doctor, a financial rep, or anyone associated with your health care tells you.

Use Your Life Insurance Policy to Save Yourself - Read About Viatical Settlements Here.

Use Your Life Insurance Policy to Save Yourself.

Use Your Life Insurance Policy to Save Yourself.
If you are diagnosed with a terminal illness, cancer or other illness, and you own an insurance policy...You can get money to pay for Great, effective, lifesaving, natural tried and true cancer treatments by reputable, experienced cancer doctors.

​So, if that diagnosis ever comes, It's NOT a sure death sentence. Don't allow yourself to be bullied or rushed into any treatments before doing your homework. You have time. Use that life insurance policy to save your life.

You can still leave money to pay for later expenses. You just don't have to give up to a terminal cancer diagnosis or any other terminal diagnosis.  Some companies give Loans against your life insurance policy...Watch the video below for more info. 

Viatical Settlement vs. Life Settlement

Individuals not facing a health crisis may also choose to sell their life insurance policies to get cash, which is more typically referred to as a life settlement. A life settlement differs from a viatical settlement in that the insured has a longer life expectancy.

In a viatical settlement, the life expectancy of the insured is generally two years or less.

If a life insurance policyholder is considering a life settlement, they should first consider all available options for obtaining the needed cash. There might be a better way to utilize a life insurance policy.

For instance, a life insurance policyholder may be able to access some of the cash value to meet their immediate needs while keeping the policy in force for beneficiaries. It might also be possible to use the cash value as security for a loan from a financial institution.

An accelerated death benefit (ADB) is also an option. An accelerated death benefit usually pays some of a policy’s death benefit before the insured dies. This could provide the holder of the life insurance policy with the cash needed without having to sell the policy to a third party.

Special Considerations
There are various points to consider before deciding on either a viatical settlement or a life settlement:

• It's important to get quotes from several companies to ensure a competitive offer. 
• Request an in-force illustration or reprojection for your current policy.
• Not all proceeds received from the sale of a life insurance policy may be tax-free; make sure you understand all tax implications before entering a contract.
• Find out if any creditors could claim your cash settlement. 
• Understand the implications of any public assistance that may be relevant, such as the Supplemental Nutrition Assistance Program (SNAP) or Medicaid. 
• The buyer of a viatical settlement is allowed to check on your health condition periodically. Make sure you understand who will get access to this information. 
• All questions on an application form must be answered truthfully and completely—especially questions about medical history.
• Make sure the viatical settlement provider deposits funds into an independent escrow account to protect the funds during the transfer.
• Find out if returning the money is an option in the event of seller's remorse.

Reasonable Life Insurance Rates That Never Increase
A guaranteed whole life insurance policy can help provide protection for your family by locking in benefits that can help pay for end-of-life expenses. With United of Omaha Life Insurance Company, a Mutual of Omaha company, you’ll get reasonable rates that never increase, and coverage amounts between $2,000–$25,000 (in WA, $5,000 - $25,000).

There are also no medical exams or health questions to answer. Find out more and get your quote.

These links are provided for your educational benefit.
The Real HOCL Pioneers are not affiliated with
any ​company represented in the links.

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