Medicare Broker for Cancer Survivors — Because the Fight Doesn't End When Treatment Does

What post-treatment coverage actually looks like on Medicare

Original Medicare Part B covers 80% of outpatient cancer follow-up care after you meet the $283 annual deductible. That remaining 20% has no cap. One PET scan, one MRI, one specialist visit, and you're looking at hundreds out of pocket, fast.

If you don't have a Supplement plan or an Advantage plan with reasonable cost-sharing, that 20% coinsurance accumulates with zero ceiling. That's the part most survivors don't realize until the bills arrive.

Follow-up scans, labs, and oncology visits: what's covered and what's not

• CT scans, PET scans, and bloodwork ordered by your oncologist are covered under Part B when medically necessary.
• Oncology office visits, including surveillance check-ups, fall under Part B at 80%.
• IV chemotherapy administered in a clinic or hospital outpatient setting is Part B. Self-administered oral chemo drugs usually fall under Part D.
• Routine screenings like colonoscopies for colorectal cancer survivors may be covered at 100% as preventive care, depending on risk category and timing.

Supplement vs. Advantage plans for ongoing cancer surveillance

A Medigap Supplement (like Plan G) picks up most or all of that 20% coinsurance. You see any doctor who accepts Medicare. No prior authorizations, no network restrictions. For survivors who need regular oncology access, that freedom matters.

Medicare Advantage plans often have lower premiums and an out-of-pocket maximum (typically $3,000 to $8,000). But they require networks and prior authorizations. I've heard from too many people whose Advantage plan dropped their hospital system mid-treatment. If your oncologist is in-network today, confirm they'll stay there.

The Part D problem survivors don't see coming

Oral cancer medications can cost thousands per month. Part D now has a $2,000 annual out-of-pocket cap, which helps significantly. But your specific drug must be on your plan's formulary, and tier placement determines your cost-sharing in the months before you hit that cap.

The wrong Part D plan can mean $3,000 in the first three months. The right one can cut that in half. This is exactly the kind of thing I check in a plan review.

Why network disruptions hit cancer survivors hardest

Continuity of care isn't a luxury when your oncologist knows your tumor markers, your scan history, and your treatment response. Switching providers because a network changed on January 1st isn't an inconvenience. It's a medical risk.

I help survivors stress-test their current plan. Is your oncologist in-network? Your hospital system? Your imaging center? If any answer is uncertain, we fix it before it becomes a crisis.

A free plan review for the chapter nobody prepared you for

You survived treatment. You shouldn't have to fight your insurance too. I'll review your current Medicare coverage, check your prescriptions against Part D formularies, and tell you plainly whether your plan protects you or leaves you exposed.

No cost. No obligation. Just a straight answer from someone who does this every day.

Related resources

• Medigap Plan G: What It Covers and What It Costs
• Medicare Advantage vs. Medigap: Which Is Right for You?
• Understanding Medicare Part D Drug Coverage
• Medicare Guaranteed Issue Rights Explained