The cost of chemotherapy varies with the kinds and dose of drugs used, how long and how often they are given, and whether you get them at home, in a clinic or office, or in the hospital. Most health insurance policies (including Medicare Part B, which helps pay for doctors' bills and many other medical services) cover at least part of the cost of many kinds of chemotherapy.

Sometimes, however, an insurer may not pay for the use of certain drugs for certain kinds of cancers -- at least not at first. If your insurer denies payment for your treatment, don't give up. Most people do get payment eventually.

Teamwork with your doctor and the office staff is important. Be sure to let them know if you have been denied payment. They can consult with your insurer and help answer any questions your insurer may have. They also can consult with the company that makes the drug or drugs you are taking. Often, these companies can provide information or other services that will help you get payment.

In some states, Medicaid (which makes health care services available for people with financial need) may help pay for certain treatments. Contact the office that handles social services in your city or county to find out whether you are eligible for Medicaid and whether your chemotherapy is a covered expense.

If you need help paying for treatments, contact your hospital's social service office. the Cancer Information Service, or the local office of the American Cancer Society. They may be able to direct you to other sources of help. Another possibility is the Leukemia Society of America; to find a chapter near you, check the white pages of your local telephone book.

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