askST: How will changes to cancer insurance affect patients?

Unfortunately, your IP cannot cover non-CDL treatments. The good news is that more drugs and treatments have been added to the list – from the original 270 to more than 340 now, which is about 90 per cent of all HSA-approved treatments.

On a national level, riders are bad news. In 2016, patients with first-dollar riders had medical bills that were 60 per cent higher than those who did not have riders. Without a rider, patients need to pay the deductible, which is cumulative over the year, and 10 per cent of the rest of their bills. With a rider, they pay 5 per cent of bills, capped at $3,000 a year, subject to conditions.

Will such coverage be enough? Probably enough for most patients, but not all. For those whose insurance coverage is not enough, would the patient’s share be significant? It depends on the drugs and services used, possibly.

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