After Treatment Ends: Tools for the Post-Treatment Cancer Survivor

Spirituality means different things to different people. For some, spirituality is linked to a religious faith. For others, spirituality is about the personal beliefs that bring comfort, meaning and purpose to their lives. Spirituality can be expressed in a number of ways, including in a traditional house of worship, out in nature, or through involvement in the arts or community events. There are many activities that can help you nurture your spiritual side, such as prayer, meditation and reflection.

Studies show that spirituality—however you define it—can play an important role in coping with the recovery and healing process associated with cancer treatment. It is not uncommon to question why your illness happened and to search for meaning in the experience. Reading spiritual texts, writing in a journal or blogging about your experiences can be ways to explore these questions.

Like any serious illness, cancer can challenge the foundations of a person’s religious faith or spirituality. If that is the case for you, you may find it helpful to speak about your feelings with a clergy person of your faith, or with someone at an interfaith center. Many faiths also have written materials on how to cope with a spiritual crisis.

Managing Medical Debt

Cancer is a very expensive illness. Even with health insurance, most people are financially unprepared for the out-of-pocket expenses associated with their medical care.

If you have health insurance, read your insurance policy carefully to understand the terms of your contract. If you have general questions or questions about a denied claim, contact your insurance company, insurance broker or the benefits representative at your place of employment. CancerCare’s fact sheet titled “Understanding Your Insurance Coverage” also provides valuable information.

Getting organized can give you a greater sense of control over your life and priorities, including financial matters. Here are a few simple tips from Cancer.Net for organizing your bills and other paperwork:

• Keep all cancer and treatment information in one place, in a filing system that works for you and makes it easy to find information. Keep bills and important papers in clearly labeled folders, and file new information as soon as possible, so it doesn’t get lost.

• If you have health insurance, ask your insurance provider to assign you to a case manager, so you can talk with the same person each time you call. Take notes on any conversations you have with insurance company representatives, including the date, name of the person you spoke with and what was said.

• Determine which bills must be paid immediately, which can be deferred and those for which you can arrange a payment plan. Negotiate payment plans for your non-medical monthly bills with your utility company, phone provider and other creditors who may offer assistance programs.

Additionally:

• Double check all bills and EOBs (explanation of benefits). You’d be surprised how often billing mistakes are made. If you don’t receive an itemized bill, ask for one. Look for incorrect dates of service (for instance, you shouldn’t be billed for the room on the day you were discharged) and fees billed more than once for the same test or procedure.

• Seek out help from nonprofit organizations such as the Patient Advocate Foundation (800-532-5274 or www.patientadvocate.org), You can also contact CancerCare to speak with a professional oncology social worker who can help you explore your options and find appropriate resources.

• Ask the hospital or doctor to consider any insurance payments as “payment in full.” Many people don’t think to do this, and it is often more successful than expected. Some hospitals have funds to offset medical services that aren’t fully covered by insurance.

Frequently Asked Questions

Q: What is a survivorship care plan?

A: After your treatment ends, there will be a period of follow-up care during which your cancer care team will continue to monitor your health. The monitoring will be tailored the type of cancer you were treated for and other factors specific to your individual circumstances, and may include regularly-scheduled or intermittent medical tests.

A survivorship care plan is a very important part of your follow-up care. An effective written plan is developed in collaboration with your health care team and given to you and your primary care provider. It includes:

Treatment Summary:

• The type and stage of the cancer you had
• Date of diagnosis
• Treatments received, including dates started and stopped and dosages when appropriate
• Other treatments, such as physical therapy, acupuncture, herbs, vitamins or other alternative treatments
• Complications you may have had, including side effects and hospitalizations

Care Plan:

• A description of your state of health at the end of treatment
• A schedule of follow-up visits (time and date)
• Where and by whom follow-up care will be delivered
• Tests that will be done and why they are needed
• What long-term effects might occur and how to watch for them
• Symptoms to watch for that might signal that the cancer has come back
• A list of any habits you may have that can interfere with your recovery
• Steps you will take to adopt a healthier lifestyle

Additional information on creating a survivorship care plan can be found at https://oncolife.oncolink.org.

Q: Can you share guidance on communicating with my health care team?

A: Even though your primary cancer treatment has ended, it is important to remember that you are still a consumer of health care and will have ongoing communication with your oncologist and other members of your health care team.

Here are some tips for improving communication with your team:

Start (or continue) a health care journal. Having a health care journal or notebook (either on paper or in a digital format) will allow you to keep all of your health information in one place. You may want to write down the names and contact information of the members of your health care team, as well as any questions for your doctor. Keep a diary of your daily experiences, including any lingering side effects. You can separate your journal or notebook into different sections to help keep it organized.

Prepare a list of questions. Before your next medical appointment, write down your questions and concerns. Because your doctor may have limited time, you should ask your most important questions first, and be as specific as possible.

Bring someone with you to your appointments. Even if you have a journal and a prepared list of questions or concerns, it’s always helpful to have support when you go to your appointments. The person who accompanies you can serve as a second set of ears. They may also think of questions to ask your doctor or remember details about your post-treatment symptoms that you may have forgotten.

Write down your doctor’s answers. Taking notes will help you remember your doctor’s responses, advice and instructions. If you cannot write down the answers, ask the person who accompanies you to do that for you. If you have a mobile device, like a tablet or smartphone, ask if you can use it to take notes. Writing notes will help you review the information later.

Record your visit if your doctor allows it. Recording the conversation with your doctor gives you a chance to hear specific information again or share it with family members or friends.

Incorporate other health care professionals into your team. Your medical oncologist is an essential member of your health care team, but there are other health care professionals who can help you achieve and maintain the best possible health outcomes.

• Your local pharmacist is a great source of knowledge about the medications you are taking. Have all of your prescriptions filled at the same pharmacy to avoid the possibility of harmful drug interactions.

• Make sure your oncologist knows of any other medical conditions you have, or any pain you are experiencing, so that they can consult with your primary care provider or your specialist if needed.

• Ask your oncologist to send a summary of your visits to your primary care provider and all providers involved in your care.

Q: I am unable to work. What are my options for health insurance?

A: If you are unable to work after your treatment ends, there is help. Options for post-treatment cancer survivors in need of health insurance include:

• Medicare and Medicaid. Medicare is a government-provided health care plan for people 65 and older and those who are disabled (cancer may qualify as a disability). Medicaid provides health care services for people whose income falls under a certain level. Contact the Centers for Medicare and Medicaid Services (CMS) at 877-267-2323 or visit www.cms.hhs.gov to find out whether you are eligible for either of these programs.

• COBRA. If you have left a job recently and were covered by an employer’s health insurance, you may be able to continue your coverage under COBRA (the Consolidated Omnibus Budget Reconciliation Act). This law requires employers to make health insurance coverage available through their plan to former employees for up to 18 months after employment has ended. Beneficiaries are required to pay for COBRA coverage. Visit the U.S. Department of Labor website (www.dol.gov) to learn if you are eligible.

• Social Security. Social Security Disability Insurance or Supplemental Security Income may be able to help with the cost of health insurance. For eligibility requirements, call 800-772-1213 or visit www.socialsecurity.gov/disability/.

On a related note: If you were laid off from your job, you should immediately apply for unemployment insurance through your state employment board. The length of benefits, benefit amount and eligibility requirements vary from state to state.