breast cancer survivor

Breast Cancer Charities of America – Help Now Fund

The Breast Cancer Charities of America – Help Now Fund is a program for current breast cancer patients, providing financial assistance for living expenses. Grants range in values of up to $1,000 based on the availability of funds AND needs of the applicant.

This foundation is committed to helping as many people as possible through their cancer related financial struggles with their Help Now Fund.
The Help Now Fund assists with:

rent or mortgage payments
utility bills (electricity, water, and/or gas)
cell phone bills
car payments.

***The Help Now Fund does not assist with transportation costs, food assistance, and cable/internet bills.

**Join our FREE private Breast Cancer Financial Help and Resources – Cancer Butterfly Facebook Group to ask questions, share info, and get in the info sharing first hand 🙂

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The December 5th Fund

This is an amazingly inspiring fund that we stumbled across. Created to honor his wife who battled breast cancer for two years… this fund gives families of a cancer patients “one great day”.“The December 5th Fund was created to give families a chance to be a family again and to give them a great day full of wonderful memories that they can treasure long after the burden of cancer is gone.”

For the founder of this fund and his family, December 5 was a great day that they were able to spend as a family and have many small memorable moments. Down the road that special day is what launched his idea of “The December 5th Fund”.

Giving one day to a family dealing with cancer so they can just be a family and enjoy! The December 5th Fund team plans out a day full of fun small memorable moments for a family dealing with cancer.

While the family is out enjoying their day, their team of local volunteers and businesses across the city of St. Louis will make sure the family comes home to a pleasant and stress-free surprise.

It could be yard work completed, a spotless home, or household projects completed.

**Join our FREE private Breast Cancer Financial Help and Resources – Cancer Butterfly Facebook Group to ask questions, share info, and get in the info sharing first hand 🙂

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Join our Private Facebook group!

Join our “Breast Cancer Financial Help & Resources – Cancer Butterfly” Private Facebook Group!

This is a private facebook group where we share information and resources that will help you save money on your out of pocket cancer treatment costs from the comfort of your own home!

This is a group created by a Breast Cancer Survivor (Danielle Rivera) to help other Breast Cancer patients navigate through the financial side of cancer.

I was diagnosed with breast cancer 8 years ago at age 40 and had two young daughters at the time. I found the financial end of cancer to be very stressful and it caused me a lot of worry wondering how we would pay for my out of pocket cancer treatment expenses.

As I went through treatment I uncovered several ways to get help with my out of pocket cancer treatment costs and my hope is to help others who are burdened by this horrible disease and help ease their mind about the financial end of treatment.

I was able to save over $4,200 on my out of pocket cancer treatment costs by applying for Cancer grants and financial assistance that is available for cancer patients and I can show you how you can save too! This group is created so that cancer survivors and patients can share information with each other in order to help each other through the financial side of cancer….Welcome

Please feel to join and ask questions in our private facebook group – “Breast Cancer Financial Help & Resources -Cancer Butterfly”

Crazy Sexy Cancer Tips

This is a great read that I mentioned in last weeks post, if you are looking to kick start your New Year, Crazy Sexy Cancer Tips by Kris Carr in a very inspiring book about a cancer survivors journey.

Kris Carr is an actress and photographer who discovered she had a liver covered with cancerous tumors. Her inspiring book is a warm and funny tool for anyone diagnosed with cancer.

I found this book to be very uplifting and provided much needed hope through my own cancer journey through all the ups and downs and frustrations it can create.

She documents her interactions through her cancer journey with her friends, family, doctors, and other cancer survivors. She also provides tips on how to boost your immune system through the food you eat and provides recipes that worked for her. Kris Carr is very candid and inspiring about her cancer journey, she just says it like it is 🙂

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The Sun is Rising on a New Year

This time of year always prompts us to think about the things that are most important to us. We think about what really matters and what changes we would like to make for the upcoming year.

The stress of the holidays is over, but so are the many celebrations and events that keep us so busy. This is the time that things slow down and we have more time to reflect on our life.

For some people this is the most difficult time of year, getting back to the normal day to day activities of life. And if you are in cancer treatment that can be especially difficult.

It is important to still try to keep busy with family and friends as much as you are able. Sometimes during the holidays cancer patients can feel isolated. Friends and family may not know how to react to your illness and fear they will say the wrong thing.

If there is someone that you are wishing would contact you or you are wondering why they haven’t, this may be why. Reach out to them, it may be just what you both need.

Think about the year ahead and plan to do things that make the most of your energy, such as having a friend over the coffee when you don’t have energy to go out. Live in the moment and don’t feel obligated to live up to others expectations. Everyone experiences cancer treatment differently and only you know how you are feeling.

I remember when I was going through treatment eight years ago at this time of year, I had one more chemo treatment left and I had already found out that my previous five chemo treatments had shrunk my tumor quite a bit and my surgery to remove what was left was coming up right after my last chemo treatment. So I thought what a great idea it would be to just skip that last horrible chemo treatment!

Unfortunately, my doctor did not agree he said, “But how will you feel if down the road your cancer were to come back? You would always have to wonder if had you done that last chemo treatment, then maybe the cancer would not have returned.”

……..ugh! How could I argue with that?? He was right, as much as I didn’t want to endure the horrible side effects of that last chemo treatment, I sure didn’t want to have any regrets down the road about not doing it.

So, that year I started the year with my last chemo treatment and in the end it worked out ok. Eight years later I get to drive my 10 year old Emily to 4th grade, and my almost 14 year old Jessica to 8th grade! So glad I listened to my doctor and took his advice!

Take this time of year to slow down and realize the blessings of each day and celebrate the small things in your life.

This is a great read, if you are looking to kick start your New Year, Crazy Sexy Cancer Tips by Kris Carr. Kris Carr is an actress and photographer who discovered she had a liver covered with cancerous tumors. Her inspiring book is a warm and funny tool for anyone diagnosed with cancer. She documents her interactions through her cancer journey with her friends, family, doctors, and other cancer survivors. She also provides tips on how to boost your immune system through the food you eat and provides recipes that worked for her. Kris Carr is very candid and inspiring about her cancer journey, she just says it like it is 🙂

Some cancer grants cover chemo treatments received prior to being approved for the grant!

Several cancer grants actually allow you to use your awarded grant funds to cover chemo treatments and other cancer drugs that you received prior to being approved!

Some cancer grants allow you to use funds to cover treatments received up to 180 days prior to being approved for funding! So if you were approved for grant funding in say April, you could use your grant funds to cover chemo treatments or other drugs that you received all the way back to November.

All of the cancer grant foundations have different guidelines and rules that they follow as far as the amount of grant funding you receive and their “retro” rules.

Retro – (retroactive) Definition: to go back in time, how far the grant program will allow you to go back in time to use your benefits on treatments you have already received before you were actually “approved” for a grant award. Some grant programs will allow you to use your awarded grant benefits on treatments that you already received 30-180 days before you were actually approved for the grant program.

One of the grants that I was awarded was for $2,500.00, and I used $1,054.33 to cover chemo treatments that I received PRIOR to being approved for the grant and PRIOR to even applying to the program! See our foundation grant list below…

Each foundation will also provide you with a specific end date that you must use your grant benefits by or your benefits will expire and be unusable. Some foundations will allow you to reapply if you get to your benefit expiration date and you still need co-payment assistance.

If you are approved for a co-payment assistance grant the foundation will let you know your approved date, your grant award dollar amount, time period you have to use your co-payment assistance grant, and how many days you will be allowed to use the grant funds for retro services.

Read our page on Chemotherapy and drug grant overview (to Save you $$$) and after you are clear on how the grant process works go to our Foundation Grant List and start making some phone calls and see if you can put some money back in your pocket 🙂

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Save money on out of pocket radiation treatment copays

As you go through several weeks of radiation during your cancer treatment you will accumulate a lot of various individual bills. I had 7 weeks of daily radiation and it seems like the radiation department billed my insurance every few days.

The costs of radiation can REALLY add up! Usually your health insurance company will have negotiated the rates on these services with the radiation department, but you may still have quite a bit to pay out of pocket on your co-pays.

The amount I owed the radiation department for my out of pocket co-pay cost for all my radiation expenses was $1,448.89.

Thankfully, I learned how to apply for a discount on these costs and luckily was able to receive a 57% discount off of that amount, so then I only owed $619.43!

When you also have out of pocket co-pays and deductibles to pay for chemotherapy, MRI, mammograms, Pet scans, blood work, surgery, etc., all the out of pocket costs can really start to add up! So anywhere you can save money helps a lot! Thankfully, there is financial help for cancer patients!

There is financial assistance for cancer patients available and grants for cancer patients to help offset chemotherapy cost and other out of pocket copays and deductibles. I am a breast cancer survivor and I can show you how you can apply for discounts on YOUR cancer treatment related radiation costs, hospital bill co-pays, and chemotherapy treatment co-pays that will save you MONEY!