Trusty Health Insurance Agency
Cancer Insurance
Plan Options
Coverage plans designed
for your needs
Basic Cancer
Plan
Essential cancer coverage with lump-sum diagnosis benefit and treatment coverage.
Enhanced Cancer
Plan
Expanded coverage including experimental treatments, transportation, and lodging benefits.
Comprehensive Cancer
Plan
Maximum protection with wellness benefits, ongoing care coverage, and family support.
Financial protection during cancer treatment
Fully Insured Plans
What's included
Supplemental cancer policies often include a wide range of benefits designed to support patients throughout their treatment journey.
Common coverage may include:
Lump-Sum Cancer Diagnosis Benefit
A one-time cash payment.
Treatment Benefits
Coverage for treatments such as chemotherapy.
Hospitalization Coverage
Benefits paid for hospital stays related to cancer treatment.
Transportation & Lodging Assistance
Helps cover travel costs when treatment requires.
ICHRA (Individual Coverage Health Reimbursement Arrangement)
ICHRA allows employers to provide tax-advantaged reimbursements that employees can use to purchase their own individual health insurance coverage. This approach offers flexibility for employers while giving employees the ability to select the plan that best fits their needs.
MERP (Medical Expense Reimbursement Plan)
A MERP strategy combines a lower-premium health plan with an employer-funded reimbursement structure to help offset employee medical expenses. This approach can significantly reduce overall plan costs while maintaining strong protection for employees.
Level-Funded Plans
For employers seeking lower costs and potential savings, level-funded plans combine the predictability of traditional insurance with the financial advantages of self-funding. We partner with two unique carriers offering copay-only plans with no deductibles, meaning employees simply pay a fixed copay for services. These plans are often an excellent fit for companies with 15–50 employees.
Self-Funded Strategies
For medium to large organizations, we offer advanced self-funded solutions designed to dramatically simplify healthcare costs.
This program features:
No copays
No fee for doctor visits or services.
No deductibles
Coverage starts immediately.
No out-of-pocket costs for covered care
Covered care is fully paid by the plan.
Why Trusty Health
Not just insurance — protection when it matters most
Independent &
Carrier Neutral
We work with multiple carriers to provide flexible supplemental insurance options rather than limiting you to a single provider.
Clear Plan
Comparisons
We help you compare plan structures, benefits, and costs so you can confidently select the right coverage.
Support When
You Need It
From enrollment to claims questions, our team is here to help guide you through every step.
Fast Cash
Benefits
Many cancer insurance plans provide lump-sum or treatment benefits paid directly to you, giving immediate financial support when you need it most.
Flexible Use
of Benefits
The cash benefits can be used for anything—from medical bills and prescriptions to travel, housing, or everyday living expenses during treatment.
Client Trust
Why Employers Work With Us
Independent & Carrier Neutral
We work with multiple insurance providers, allowing us to recommend solutions based on what best fits your organization’s needs.
Strategic Benefits Planning
Our team helps employers evaluate different coverage structures to create benefits programs that balance cost, protection, and long-term sustainability.
Employee Education & Support
We help employees understand their benefits so they can make confident healthcare decisions and maximize their coverage.
Year-Round Guidance
Our advisors provide ongoing support with plan questions, claims assistance, and benefits strategy throughout the year.
Our Strategies
Who Should Consider Cancer Insurance
Cancer insurance can be a valuable addition for individuals and families who want extra financial protection beyond their primary health insurance.
Those with high-deductible health plans, limited savings for medical emergencies, or a family history of cancer may benefit from the added security this coverage provides.
It can also be helpful for self-employed professionals, small business employees, or anyone who wants peace of mind knowing that unexpected treatment costs and everyday expenses can be supported during a difficult time.
Supplemental cancer insurance can be valuable for:
Individuals with high-deductible health plans
Families seeking additional financial protection
Self-employed professionals
Small business employees
Individuals with a family history of cancer
Anyone wanting extra peace of mind beyond traditional health insurance
Trusted By Industries
Industries We Serve
Every industry has unique workforce structures, budgets, and healthcare needs. We work with businesses across a wide range of industries to design benefit programs that support both employees and business owners.
Some of the industries we commonly work with include:
Construction & Skilled Trades
Manufacturing
Automotive & Transportation
Professional Services
Real Estate & Mortgage Professionals
Technology & Software Companies
Healthcare & Medical Practices
Restaurants & Hospitality
Retail Businesses
Logistics & Warehousing
Landscaping & Property Services
Contractors & Home Service Companies
Financial Services & Accounting Firms
Marketing & Creative Agencies
Small Business Owners & Entrepreneurs
Whether your company has a small team or a large workforce, we tailor health benefit strategies to fit the realities of your industry.
Client Trust
Common Mistakes Employers Make with Cancer Insurance
Many employers underestimate the value of supplemental cancer insurance or assume their primary health plan provides enough protection.
Assuming Medical Insurance Is Enough
Many employers believe standard health insurance fully covers cancer treatment costs, but employees often still face significant out-of-pocket expenses.
Not Offering Supplemental Coverage
Some companies overlook cancer insurance as an optional benefit, missing an opportunity to provide extra financial protection for employees.
Lack of Employee Education
Employees may not enroll in cancer insurance simply because they do not fully understand how the coverage works or its potential benefits.
Choosing Plans Based Only on Cost
Selecting the lowest-cost option can sometimes limit coverage benefits that employees may need during treatment.
Insured Options
Understanding Your Group
Plan Options
Employers have several ways to offer supplemental cancer insurance as part of their employee benefits program. Each option provides different levels of financial protection and flexibility depending on the organization’s goals and the needs of employees. Understanding these plan structures helps employers select the right level of coverage while supporting employees during serious health challenges.
Understanding Your Group Cancer Plan Options
Employers can offer several types of group cancer insurance plans as part of a comprehensive employee benefits package. These plans are designed to supplement traditional health insurance by providing additional financial support when an employee is diagnosed with cancer or undergoing treatment. Because cancer treatment often involves ongoing medical care, travel, medications, and time away from work, supplemental cancer insurance can help employees manage both medical and personal expenses during a difficult time.
Choosing the right type of cancer insurance plan depends on the size of the workforce, the level of protection desired, and the employer’s overall benefits strategy. Some plans focus on providing a lump-sum payment at diagnosis, while others provide ongoing benefits tied to treatment or recovery. By understanding the different plan options available, employers can design benefits programs that offer meaningful protection and peace of mind to their teams.
Lump-Sum Cancer Diagnosis Plans
Lump-sum cancer diagnosis plans provide employees with a single cash payment upon the diagnosis of a covered cancer condition. This payment is typically issued directly to the policyholder and can be used for any expenses that arise after diagnosis. Because the payment is not restricted to medical bills, employees can use the funds for a wide range of needs, including travel for treatment, childcare, housing costs, or other household expenses.
These plans are often valued because they provide immediate financial support at the time when individuals and families may be facing significant emotional and financial stress. Many employees use the lump-sum benefit to help cover deductibles, out-of-pocket medical costs, or income interruptions during treatment. This type of coverage is simple, easy to understand, and provides fast access to funds when they are needed most.
For many employers, lump-sum cancer plans are an effective way to add supplemental protection to their benefits program without significantly increasing complexity or administrative effort. They provide meaningful financial assistance while remaining straightforward for employees to enroll in and understand.
Treatment-Based Cancer Insurance Plans
Treatment-based cancer insurance plans provide benefits tied directly to the specific treatments and services associated with cancer care. Instead of a single lump-sum payment, these plans provide multiple payments throughout the treatment process. Benefits may be issued for chemotherapy, radiation therapy, hospital stays, surgeries, and other related medical services.
Because cancer treatment often involves ongoing care over months or even years, treatment-based plans help provide continued financial support throughout the patient’s healthcare journey. This structure ensures that employees receive benefits as they undergo various stages of treatment, helping to reduce financial stress over time.
Client Trust
Finding the Right Strategy
Every business is different, and there is no one-size-fits-all insurance solution. Our team helps employers evaluate all available options to determine the most effective strategy based on workforce size, care needs, and long-term cost goals.
Partners You Know & Trust
