Umbrella Coverage

Cancer Insurance

A lump-sum cash benefit paid directly to you on a covered cancer diagnosis — yours to spend however you need, on top of any other coverage you carry.

Schedule a coverage review Call 540-440-5936

The real risk

Why this coverage exists

39% / 41%

of women and men, respectively, will be diagnosed with cancer in their lifetime.

88%

of all cancers are diagnosed in people age 50 or older.

Every 16 sec

a new cancer is diagnosed somewhere in the United States.

Cash that goes straight to you

If you're diagnosed with a covered cancer, the policy pays 100% of the benefit amount you selected — in a single lump sum, paid directly to you or someone you designate. It pays regardless of any other health insurance you carry, and there are no rules about how you spend it.

More people are surviving cancer than ever, but a large share of what families pay isn't medical at all — treatment-related travel, lost wages, and home care top the list. This benefit is designed to absorb exactly those shocks.

Cover deductibles, co-pays, and prescriptions
Pay for travel and lodging near a specialist
Replace income during time away from work
Keep up with the mortgage and everyday bills
Pay for help at home during recovery
Protect retirement and emergency savings

Notice to Buyer: This is a supplemental cancer policy. It is not a Medicare Supplement policy and is not major medical coverage. It may not cover all of your medical or health-care expenses and should not be purchased as a substitute for Medicare or Medicare-related health plans.

Statistics sourced from the American Cancer Society, National Cancer Institute, and Centers for Disease Control and Prevention (CDC).

Good to know

Your questions, answered

Your Medicare Advantage plan generally helps cover approved medical treatment, but you may still face deductibles, copays, coinsurance, travel expenses, and other out-of-pocket costs during treatment and recovery. A cancer plan provides additional financial support during a covered diagnosis.

If you receive a covered cancer diagnosis, the plan pays a lump-sum cash benefit directly to you. You can generally use the money however you choose — medical bills, travel, mortgage or rent, groceries, household bills, caregiving, or other recovery costs.

No. A cancer plan is separate from Medicare and is not a Medicare Supplement (Medigap) plan. It's an optional supplemental protection plan for a covered cancer diagnosis.

Yes. Plans are generally available with different benefit amounts so you can choose the level of protection that fits your needs and budget.

In many cases, yes — some plans allow spouses or other family members to apply as well.

No. These plans are optional and may not be the right fit for every person or budget. The goal is to help you understand your options so you can make an informed decision.

Free consultation

See if this coverage fits your situation

In a short, no-pressure review, a licensed agent walks you through benefit amounts, costs, and how this works alongside the plan you already have.

Free consultation

Book time with an I Know Medicare agent

A short, no-pressure conversation. We'll answer your questions and lay out your options in plain English.

Always free — never changes your premium
Local, licensed, independent
In person, by phone, or virtual

540-440-5936

Choose an available time

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