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Judi L. Woods Agency Blog

Cancer Insurance

Skin Cancer Risk Factors


SKIN CANCER RISK FACTORS


Everyone should be getting checked for skin cancer at least one a year...... no matter how young you are & everyone should be using products to protect the skin from Sun exposure.
 
Below are a few factors that may increase risk of skin cancer.
 
Moles
Fair Skin
History of Sunburns
Excessive Sun Exposure
Sunny or High-altitude Climates
Precancerous Skin Lesions
Family History of Skin Cancer
Personal History of Skin Cancer
Weakened Immune System
Exposure to Arsenic
 
 
Three Types of Skin Cancer:

Basal Cell Carcinoma
This is the most common form of skin cancer. One out of every three new cancers is skin cancer and most are Basal Cell Carcinoma. This cancer is in the basal cells, which are at the bottom of the epidermis. The cause is mostly by exposure to sunlight.
Squamous Cell Carcinoma
This is the second most common cancer of the skin. Most affected are those with fair skin, frequent sun exposure, ultraviolet light exposure and severe sunburns as a child. It develops in the outer layer of the skin. Early treatment is important since the squamous call carcinoma may spread to other areas of the body. Such as the lymph nodes and organs.
Melanoma
This is the most dangerous skin cancer. Of all skin cancer related deaths, 79% are from Melanoma. This disease develops in melanocytes cells that produce skin pigmentation. It is most likely to metastasize to lymph nodesand other parts of the bodyost here.

Preventative Cancer Screening for Women and Men

As we focus this weeks newsletter on the issue of breast cancer, we want to encourage you to be proactive in maintaining a healthy lifestyle.  Be aware of the resources that are available to you and take advantage of them.  The Affordable Healthcare Act has made it mandatory for insurance companies to pay for the following services without any cost sharing from the policy holder (YOU!):
 
 
  • Breast cancer mammography every 1 to 2 years for women over age 40
  • Breast cancer chemoprevention counseling for women at high risk for breast cancer
  • Cervical cancer pap test for women
  • Prostate cancer screenings for men
  •  
    Click here to learn about additional preventative care services that are available to women & men under the Affordable Healthcare Act.

    October is Breast Cancer Awareness Month

    Most of us know someone who has been affected by breast cancer in one way or another.  Since October is Breast Cancer Awareness Month we want to help you be aware of the risks and learn about some of the preventative resources that are available to you. 
     
    Consider the Facts:
    In 2012, it is estimated that among US women there will be:
    - 226,870 new cases of invasive breast cancer 
    - 63,300 new cases of "in situ" breast cancer
    - 39,510 breast cancer deaths.
      
    A Few of the Known Risk Factors*:
    - Being a Woman
    - Getting Older
    - Starting menopause after age 55
    - Never having children
    - Having your first child after age 35
    Being overweight or gaining weight as an adult
    - Family history of breast, ovarian or prostate cancer  
      
    Mammography and rates of early detection over time  
    As mammography screening rates have increased, more cases of breast cancer have been found at earlier stages, when they are most easily and successfully treated. During the 1980s and 1990s, diagnoses of early-stage breast cancer increased greatly. Since the late 1990s, these rates have remained steady. At the same time, diagnoses of advanced stage (metastatic) breast cancer have remained stable or dropped slightly. 
      
    Prevention is key, and as a result of the Affordable Healthcare Act many of these preventative services are available to you with no out of pocket costs through your health insurance carrier. Check our other blog articles to learn more about Healthcare Reform.
      
    References:
    *This is not a complete list of risk factors. Consult a medical professional to learn about all of the risk factors of breast cancer.

    Aflac Cancer Indemnity Insurance

    Aflac products are returning to Judi Woods Agency!  In observance of Breast Cancer Awareness Month, this article will highlight the Cancer Indemnity Insurance Policies offered by Aflac.
      
    How it Works
    Aflac's Cancer Indemnity policies supplement Major Medical insurance.  These policies "fill in the gaps" and provide policy holders with cash for unexpected medical expenses caused by cancer.  Medical bills are not the only financial strain caused by illness. To offset some of these additional expenses, the cash benefit received from Aflac can be used for:
     
    • Travel Expenses
    • Child Care
    • Everyday expenses: groceries, mortgage, utilities, etc
    • Out-of-pocket expenses that are not covered by Major Medical such as copays and deductibles
     
    Why purchase a Cancer Indemnity Product?
    According to CNN Money 49% of Americans do not have enough money saved up to cover 3 months of expenses.  Should these families experience a major medical expense it could be devastating.  Unfortunately, the risk for this type of expense is high.  Slightly less than 1 in 2 men will be diagnosed with cancer, and for women the risk is slightly higher than 1 in 3 (American Cancer Society).
     
    Aflac offers affordable options for almost any budget that will help individuals and families avoid some of the financial hardships that are brought on by major illnesses.  
     
    Click here to learn more about one of the cancer indemnity insurance policies that are offered in the state of Florida.