--- title: "Cancer Insurance Calculator | Estimate Coverage and Monthly Cost" description: "See your exact cancer insurance premium in 60 seconds. Lump-sum cash ($10K to $100K+) paid directly to you upon diagnosis. No medical exam. Free Alabama." lang: en json-ld: | { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Dalton Insurance Agency", "description": "Independent Medicare brokerage serving Alabama, Georgia, Florida, Tennessee, Mississippi, South Carolina, North Carolina, Louisiana, and Illinois. Founded by Dr. Tyler Dalton, PharmD.", "url": "https://dalton-insuranceagency.com", "telephone": "+1-334-489-3624", "email": "tyler@daltoninsurance.biz", "logo": "https://dalton-insuranceagency.com/favicon-dia-preview.png", "image": "https://dalton-insuranceagency.com/og-image.png", "address": { "@type": "PostalAddress", "streetAddress": "221 E South Street", "addressLocality": "Dadeville", "addressRegion": "AL", "postalCode": "36853", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 32.8312, "longitude": -85.7636 }, "areaServed": [ { "@type": "State", "name": "Alabama" }, { "@type": "State", "name": "Georgia" }, { "@type": "State", "name": "Florida" }, { "@type": "State", "name": "Tennessee" }, { "@type": "State", "name": "Mississippi" }, { "@type": "State", "name": "South Carolina" }, { "@type": "State", "name": "North Carolina" }, { "@type": "State", "name": "Louisiana" }, { "@type": "State", "name": "Illinois" } ], "founder": { "@type": "Person", "name": "Tyler Dalton", "honorificPrefix": "Dr.", "honorificSuffix": "PharmD", "jobTitle": "Founder and Licensed Insurance Broker", "url": "https://dalton-insuranceagency.com/about/tyler-dalton", "hasCredential": [ { "@type": "EducationalOccupationalCredential", "credentialCategory": "degree", "name": "Doctor of Pharmacy (PharmD)" }, { "@type": "EducationalOccupationalCredential", "credentialCategory": "license", "name": "Licensed Insurance Broker" } ] }, "openingHoursSpecification": { "@type": "OpeningHoursSpecification", "dayOfWeek": [ "Monday", "Tuesday", "Wednesday", "Thursday", "Friday" ], "opens": "08:00", "closes": "17:00" }, "sameAs": [ "https://www.facebook.com/DALTONINSURANCEAGENCY1/", "https://www.instagram.com/drtylerdalton/", "https://x.com/drtylerdalton", "https://www.linkedin.com/company/101849497/", "https://www.youtube.com/@TylerDalton" ], "priceRange": "Free Consultations", "paymentAccepted": "Insurance commission-based (no cost to clients)" } --- [Call Now: (334) 489-3624 ](tel:13344893624)Free Medicare Consultation Free Consult [ Dalton Insurance Medicare & Wealth Advisors ](/) - [Home](/) - Medicare - Retirement & Wealth - Resources - [About Us](/about) [(334) 489-3624](tel:13344893624)[Book Appointment](/appointments) # Lump Sum Cash Payout When It Matters Most Prevent a cancer diagnosis from becoming a financial burden for you and your family ### Lump Sum Benefit Direct cash payment to cover any expenses ### Local Brokers Personalized service from licensed Alabama agents ### Quick Enrollment Fast approval process with no medical exams - Lump-sum cash paid directly to you - Use for medical or non-medical expenses - Stays with you if Medicare changes 1 Basic Info 2 Coverage Options 3 Your Quote ## Let's Start With The Basics Your Age Must be between 18 and 89 years old State AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Gender MaleFemale Tobacco User? NoYes Continue to Coverage Options ## Why Cancer Insurance? Cancer insurance provides a lump-sum cash benefit directly to you when diagnosed with cancer. Unlike traditional health insurance that pays providers, this money is yours to use however you need—medical bills, travel expenses, mortgage payments, or daily living costs. ### We're Independent Brokers We work with multiple insurance carriers to find you the best coverage at the best price. We shop the market so you don't have to, comparing plans from top-rated insurers to ensure you get the protection you need. Note: Rates shown are estimates based on typical underwriting. Final premiums depend on carrier approval and specific policy details. We'll confirm exact pricing during your consultation. ## Frequently Asked Questions ### Do I need cancer insurance if I have a Medigap plan? Yes, cancer insurance is still valuable even with Medigap. While Medigap covers most medical bills, cancer brings many non-medical expenses like prescriptions, travel to specialists, lost income, and daily living costs. We typically recommend $10,000-$20,000 in coverage for Medigap beneficiaries. ### Does this work if I have Medicare Advantage? Cancer insurance is especially important with Medicare Advantage plans. MA plans have maximum out-of-pocket limits that cancer treatment can quickly reach. If your treatment spans multiple calendar years, you could hit that limit twice. We recommend coverage equal to at least 2x your plan's maximum out-of-pocket. ### What if I don't have Medicare yet? Cancer insurance is available regardless of whether you have Medicare. It works alongside any health insurance you have—employer coverage, ACA marketplace plans, or private insurance. We recommend at least $10,000 in coverage for those not yet on Medicare. ### Can I get cancer insurance if I'm under 65? Yes! Cancer insurance is available for ages 18-89. In fact, enrolling when you're younger means lower premiums that stay locked in as you age. It's a smart way to protect yourself before Medicare while paying less. ### If I switch Medicare Advantage plans, can I keep my cancer coverage? Absolutely. Cancer insurance is completely separate from your Medicare coverage. It stays with you no matter what changes you make to your health insurance—switching MA plans, changing Medigap carriers, or even moving to a different state. ### What are recurring benefits? A recurring benefit provides additional payments if you're diagnosed with cancer again in the future. This could be the same cancer returning or a completely different type of cancer. It adds approximately 25% to your premium but provides valuable protection against future diagnoses. ### How do I use the cancer insurance benefit? Upon diagnosis, the insurance company pays you a lump sum directly. You can use this money for anything you choose—medical bills, prescriptions, travel expenses, mortgage payments, groceries, or any other needs. There are no restrictions on how you spend it. ### How soon can my coverage start? Most cancer insurance policies have a 30-day waiting period from your effective date. This means if you're diagnosed with cancer within the first 30 days, the policy won't pay. That's why it's important to apply soon—you want protection in place before you need it. **Important Medicare Disclaimer:** We do not represent Medicare. This is not a Medicare plan. We are independent, licensed insurance brokers representing multiple insurance companies. We work with 10 insurance organizations offering over 500 insurance products. For official Medicare information, contact 1-800-MEDICARE (1-800-633-4227) or visit [Medicare.gov](https://www.medicare.gov). For free, unbiased Medicare counseling, contact your State Health Insurance Assistance Program (SHIP). Again, we are not representatives of Medicare. ⭐ Lifetime Support: Once you are our client, you are our client for life⭐ ### Dalton Insurance Your trusted Medicare & Wealth advisors. Helping families secure their health and protect their wealth for nearly 15 years. [(334) 489-3624](tel:13344893624)[tyler@daltoninsurance.biz](mailto:tyler@daltoninsurance.biz) Serving Clients Nationwide ### Learn Medicare - [Beginner's Guide](/learn-medicare/beginners-guide) - [Common Medicare Mistakes](/medicare-mistakes) - [Parts of Medicare (A, B, C, D)](/learn-medicare/parts-of-medicare) - [Medicare Costs 2026](/learn-medicare/medicare-costs-2026) - [Supplements vs. Advantage](/learn-medicare/supplements-vs-advantage) - [Best Supplement Plan?](/learn-medicare/which-medicare-supplement-plan-is-best) ### Resources - [AEP Guide](/annual-enrollment-period) - [AEP 2026 Checklist](/aep-checklist) - [Lake Martin Retirement Guide](/lake-martin-retirement-guide) - [Dadeville Medicare Advisor](/service-areas/dadeville-medicare-advisor) - [Auburn Medicare Advisor](/service-areas/auburn-medicare-advisor) - [Opelika Medicare Agent](/service-areas/opelika-medicare-agent) - [Alexander City Medicare](/service-areas/alexander-city-medicare-agent) - [Turning 65 Checklist](/turning-65-medicare-timeline) - [Enrollment Checklist 2026](/medicare-enrollment-checklist) - [2026 Cheat Sheet](/resources/medicare-2026-cheat-sheet) - [IRMAA Calculator](/irmaa-calculator) - [Cancer Insurance Calculator](/cancer-insurance-calculator) - [All Calculators](/resources/calculators) - [Blog](/blog) - [Service Areas](/service-areas) ### Coverage Options - [Medicare Supplements](/medicare-supplement) - [Medicare Advantage](/medicare-advantage) - [Part D Drug Plans](/part-d) - [Cancer Insurance](/coverage/cancer-insurance) - [Annuities](/coverage/annuities) - [Long-Term Care](/coverage/long-term-care) - [Life Insurance](/coverage/life-insurance) © 2026 Dalton Insurance Agency. All rights reserved. Licensed in: [AL](/service-areas) • [GA](/medicare-service-areas-georgia) • FL • TN • MS • SC • NC • IL • and more [](https://www.facebook.com/DALTONINSURANCEAGENCY1/)[](https://www.tiktok.com/@drtylerdalton1)[](https://www.instagram.com/drtylerdalton/)[](https://www.linkedin.com/company/101849497/)[](https://www.youtube.com/@TylerDalton) © 2026 Dalton Insurance Agency. All Rights Reserved. Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program. Calling our phone number will connect you to a licensed broker who is trained and certified to help you review the plan options available in your area. We do not offer every plan available in your area. Currently we represent 10 organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.