(standard & creative solutions)
Cost is a primary issue with many patients; in fact it is the biggest obstacle for most. The average cancer patient who is searching for alternative treatment tends to be better educated (skeptical of mainstream oncology, after having witnessed the decline and passing of loved ones who went that route) or sadly, trusted in it themselves and are now worse off, seeking a means to survive.
We empathize. Even though Holy Grail Cancer Care is the least costly, most affordable of all of the alternative cancer clinics, (just $16,000 for 3 weeks of intensive treatment–what people end up paying in copays for conventional, that often fails.) But that is still a lot of money out of pocket for most, especially if their illness has left them unable to work.
Not a week goes by without a patient asking if we have a “sliding scale” fee schedule, based on income level. We have to explain that alternative cancer treatment clinics are persecuted by the US government, not subsidized by it.
Cancer patients find themselves at the mercy of two big corporate controlled industries: The cancer cartel, in collusion with the health insurance lobby that regulates coverage. The following fraud scenario has been ongoing for years:
People faithfully pay health insurance premiums for their entire working lives, often by payroll deduction, never seeing the money skimmed off the top of their wage earnings—which they could have used for basic living expenses.
Then they discover, when they become ill and need to use their coverage, that it is worthless and they have been scammed. But by the time the patients realize the truth (often when convention treatment, covered by insurance, has failed) their outrage will do them no good. They are in no position to fight the corrupt system. Faced with advancing illness and limited resources, the question becomes how to raise the out of pocket cost of alternative treatment?
Over the years patients have told us many stories about how they managed it. There were the standard ways, and a few that were creative, drawing on resources that are often overlooked. Those who could not access their home equity have held fundraising events, or they borrowed from 401K retirement accounts, or sold stock, or started a GoFundMe web page, all sorts of things.
The most creative and effective method has to do with life insurance. If the patient has a life insurance policy in force that will pay out a death benefit of $100,000 or more, then there is a brilliant solution, well worth pursuing:
It is called a “viatical settlment,” and its beautifully simple. Here is the definition:
(Insurance): the sale of a life insurance policy , owned by a person with a shortened life expectancy, that enables that person to use the proceeds during his or her lifetime.
The proceeds are in most cases tax free to the seller, and may be used for ANY purpose.
The transaction is State and Federally regulated for consumer protection.
Trust an Industry veteran of 23 years, www.lifeinsurancebuyers.com
The link above will take you to life insurance buyers who specialize in viaticals. They look at your age, your medical history details, and compare to the actuarial tables, to calculate life expectancy, based on all of the factors combined.
Based on the numbers, they make a decision as to whether or not to match you up with an investor willing to make a purchase offer on your life insurance policy. It won’t be for full payout value, but let’s say for example the death benefit is for $100,000. They might match you up with a buyer willing to offer $75,000.
That is immediate cash for you to use however you choose. It not only covers alternative cancer treatment, which may, in some cases, reverse the malignancy and help the patient recover. The cash uses are unlimited, without restriction.
Sometimes patients not only pay for their treatment. Some have used their surplus cash to travel on their “bucket list” to go see and do what they have always wanted, often taking the family along, for a dream trip of a lifetime.
If they succeed in getting their malignancy reversed and they have recovered their health, they often use their surplus cash to pre-pay their funeral and final expenses, and invest the rest safely to where it pays them monthly dividend income, as a safety net to supplement their social security.
When the patient passes away (maybe not for many years, if cancer treatment is successful) the investor who bought the policy will collect the full benefit. A viatical settlement allows a patient to dip into his death benefit to fund the cost of treatment, and more. But let me be very clear on this crucial point:
It is our job at Holy Grail Cancer Care to do everything possible to preserve comfort and maintain good quality of life during the treatment process, while we work to retard progression, and strive to gain enough momentum to arrest and reverse the cancer into remission.
We also use little known natural methods to eradicate malignant stem cells, so as to prevent recurrence. We have former patients who are 13 year survivors.
If a patient happens to fund his treatment with a viatical settlement, our aim will be to try to ensure that an unknown investor ends up having to wait many months or years to collect.
We are NOT in the insurance business—that would be an unethical conflict of interest. We offer only the referral contact to a company whose mission it is to set a patient up “FOR LIFE”, however long it may be.