Plans we accept
5D Cancer Services is in-network with Medicare, Medicare Advantage, Tricare, and most major commercial plans (including Blue Cross Blue Shield, Aetna, Cigna, UnitedHealthcare, SelectHealth, PEHP, and Humana). If your plan is not listed, please call us — many out-of-network plans still cover treatment with prior authorization.
Prior authorization, simply explained
Most insurance plans require approval — called prior authorization — before they will pay for radiation therapy. Our billing team submits the request with your physician's notes and treatment plan. Approvals typically come back in 5–10 business days. We will not begin treatment until authorization is in hand and you have a written cost estimate.
What you'll actually pay
Your out-of-pocket cost depends on three things from your insurance plan: the deductible (what you pay before insurance starts paying), the coinsurance (the percentage you pay after that), and the annual out-of-pocket maximum (the most you'll pay all year). Most patients hit their out-of-pocket maximum during a course of radiation, which means follow-up imaging and visits later in the year are often fully covered.
We provide a written cost estimate based on your plan benefits before treatment begins, so there are no surprises.
Financial assistance
We offer interest-free payment plans for any patient who needs one, and a financial-assistance program for patients who meet income guidelines. Our financial counselor will walk you through the options at your consultation — no one is turned away from care because of cost concerns.
