Tag Archive for: financial resources

Where Can CLL Patients Access Financial Support?

Where Can CLL Patients Access Financial Support? from Patient Empowerment Network on Vimeo.

Is there patient financial assistance for chronic lymphocytic leukemia (CLL) treatments? CLL expert Dr. Seema Bhat shares resources and advice for accessing support.

Seema Bhat, MD is a hematologist at The Ohio State University Comprehensive Cancer Center – The James. Learn more about Dr. Bhat.

See More from Thrive CLL

Related Resources:

Understanding CLL Treatment Classes

Understanding CLL Treatment Classes

Educational Resources for CLL Patients

Educational Resources for CLL Patients

Emerging CLL Treatment Approaches

Emerging CLL Treatment Approaches



Financial concerns can be another source of stress for people with CLL. Obviously, everyone’s situation is different, of course, but what resources are available for patients who need financial support? 

Dr. Bhat:  

So, financial barriers can be a real concern for our patients. Targeted therapies are very expensive, and although insurances do cover them, the approved FDA drugs, copays can be very high, and this adds on because our patients with – our treatments with CLL, some of them tend to be indefinite. That means patients have to take those medications on an ongoing basis, and when they face such situations, high copays, we look into financial assistance. We look for funding for copay assistance, and funding can be provided by pharmaceutical companies. We can also apply for grants through The Leukemia & Lymphoma Society and other resources to help out our patients with these financial concerns.  


So, does the patient work with the healthcare team to find financial support? 

Dr. Bhat:  

Absolutely. We at our institution have what is called, “MAP,” or Medication Assistance Program. 

And when we see that – we run the medications through the insurance, then we see the copay is high, we refer our patients to the MAP program, and then they take over. They find them grants, they find them assistance through be it pharmaceuticals, copay assistance programs. So, invariably, almost all patients who come and see us are helped through that program.  


What about a nurse navigator or patient navigator? What do they do? How can they help?  

Dr. Bhat:

Well, so yes. Nurse navigators and patient navigators are also very important for caring for our patients. So, patients can have, besides our care for our patients which includes caring for their disease, caring for their symptoms, caring for their reduced hemoglobin and reduced platelets, our symptom management, they have psychological needs, they have functional needs, they have needs like family support. 

So, these are all the things that patient navigators can help patients set that up based on their – we have patients who travel from out of state, are from two or three hours away. So, these patient navigators look into what resources they should have available locally. Sometimes, patient navigators help us – some patients cannot do frequent travels back and forth, so we get them connected to local oncologists, also. So, patient navigators look into those appointments, look into those offices, so they provide a lot of help to us manage our patients. So, they provide more of a holistic management, rather than just treatment of CLL. 

What Questions Should Patients Ask About Joining a Clinical Trial?

What Questions Should Patients Ask About Joining a Clinical Trial? from Patient Empowerment Network on Vimeo.

Before participating in a clinical trial, what questions should you ask? Dr. Pauline Funchain of Cleveland Clinic shares critical questions patients should ask their healthcare team when considering a clinical trial.

Dr. Pauline Funchain is a medical oncologist at the Cleveland Clinic. Dr. Funchain serves as Director of the Melanoma Oncology Program, co-Director of the Comprehensive Melanoma Program, and is also Director of the Genomics Program at the Taussig Cancer Institute of the Cleveland Clinic. Learn more about Dr. Funchain, here.

Katherine Banwell:

If a trial is recommended, what questions should a patient ask about the trial itself? 

Dr. Pauline Funchain:

Yeah. I mean, I think when it comes to that, I think that the important things to ask, really, are what are the drugs involved, and what your doc thinks about those drugs. 

I think, what is the alternative? So, again, we were talking about option A, B, and C. Is this option A of A, B, and C, or option C of A, B, and C? Are there ones like Cindi mentioned, where if you don’t do it at this point, you’re going to lose the opportunity, because you started on something else. Because a lot of trials require either that a person has never gone through therapy, and so this is sort of first line trial. But some trials are you have to be at the second thing that you’ve been on.  

So, these are the things that matter to know. Are you going to lose an opportunity if you didn’t do it now, or can you do it later, and what is the preference? And I think, practically speaking, a patient really wants to know what is the schedule? Can I handle this? How far away do I live from the place that is giving this trial? 

What are the locations available? Because if there’s a trial and you have to come in every two weeks, or come in four times in two weeks, and then once every month after that, that makes a big difference depending on where you live, what season it is, weather, that kind of stuff.  

And I think the question that you don’t really have to ask, but a lot of people ask, is about cost. So, medical care nowadays is complex, it costs money when you don’t expect it to, it doesn’t cost money when it’s – you just don’t know what will and what won’t. Financial toxicity is something that we really care about. Every center is really trying its best, but it’s hard to do in this type of environment. So, people then get concerned that clinical trials might be even more complex.  

I think clinical trials are much less complex in that way, because a lot more of it is covered by the sponsor, whatever that sponsor is, whether that sponsor is the National Institutes of Health, as a grant, or a pharmaceutical company.  

But, in general, a clinical trial really should cost the same or less than whatever the standard medical care is; that’s the way they’re built. So, many, many people ask us that question, but I think that is the question that probably is less important than what are the drugs, what does your doc think about this, are you going to lose an opportunity if there’s a different sequence, and does this fit into your life and your schedule, and people who can give you rides.  

Katherine Banwell:

Yeah, right.  Are there resources available to assist with the financial impact of a clinical trial? 

Dr. Pauline Funchain:

There are not specific resources for clinical trials; there are specific resources for patients in general, though. There are things like helping with utility bills sometimes, sometimes with rides, I think a lot of clinical trials do pay for things like parking. In general, many trials themselves have extra financial support in them. There was a trial I remember that paid for airfare and lodging, because there were only five centers in the country, and so we had people fly in, and the whole thing was covered. 

It depends on the trial. But in terms of outside of trials, there are always patient advocacy groups and things like that, where certain things can get covered. But often, the types of things that get covered by those groups are the same things that get covered with normal medical care. 

Committing to Eating Healthier Can Lead to Savings in Your Pocket Both Now and in the Future

Have you ever eaten something that you really love but for some reason it doesn’t seem to like you back? I have. For instance, ice cream used to be my favorite desert. But sometime in my 30’s, ice cream started making me feel ill. And because of that, no matter how much I wanted it, I began to lose interest. I also started feeling better. The older I became, the more I realized that most foods containing sugar were making me feel sluggish along with some other no so pleasant symptoms. Additionally, bread became my enemy. Now I have to admit this was particularly hard. I absolutely love some hot crusty bread with pure Irish butter. Yum!!

Now I have more energy, sleep better, and have better focus as a result changing my eating habits. Another real surprise, I no longer had the body aches and joint pain I once suffered. Upon research, I found that sugar and carbs can cause inflammation. So, I also started reading labels. There is sugar in almost everything, including seasonings, ketchup, milk, breads, and so much more. And did you know that a lot of the foods you buy from restaurants are loaded with sugars and salts? To offset too much salt in a dish, sugar is added. And vice versa. So, I’ve begun to eat a lot more vegetables, and whole grains such as whole wheat, and quinoa, as well as nuts and fruit. Doing so also allowed me to explore other herbs and seasonings to add flavor. Also, being more mindful about what I ate made me think about the amount of red meat I was eating and how much I was eating out. Suffice it to say, way too much! I kept a journal of what I was spending eating out and found it added up to over $400.00/ month.

I surmised that a lot of people were in the same boat. And that this was as a country are making us obese, diabetic, have heart attacks and strokes, perhaps making us more prone to cancers, and migraines and neurological problems and learning problems and the list goes on and on. So, how does this relate to saving money? Well. Now that I’m more conscious of what I’m eating, I cook more often with better choices of food. I lean toward organic now and am limiting the amount of red meat. I am learning to shop more from the periphery of the store. In the summer, farmer’s markets are the way to go. I even have a small potted garden, which is so easy to maintain with fresh herbs, and some vegetables. These illnesses are making us less productive and we are taking more sick days from work than we probably used to take. And we are going to the doctors more often than we used to. Spending more on co-pays, deductibles and other out of pocket costs. Now that extra money saved on eating out can be directed to other needs such as medical treatment costs or other expenses or savings programs.

Now I’m teaching my 5-year-old granddaughter how to cook, raise a garden and especially understand nutrition and how to read labels. With the cost of healthcare going up more than inflation every year, I can’t imagine what the cost burden will be for her when she is an adult. In fact, in 2019, according to the OECD Health Statistics database and the CMS National Health Expenditure Accounts data, the US spends more per capita than any other comparable country on health care and related expenses. In 2019 that was $10,966 with comparable countries averaging $6,697.

That was an astounding 17% of the US GDP! And unfortunately, that doesn’t mean that we as a country are healthier. So hopefully, educating my granddaughter now, when she is young, will lead to a heathier lifestyle for her and reduce her costs of healthcare. So, if I can get heathier now, perhaps it can help keep me out of the doctor’s office and also save me money.

I shudder to think of all of the money I’ve wasted over the years buying meals that perhaps satisfied my immediate taste but all along was contributing to poorer health. In hindsight, that money could have been put to better use elsewhere. I could have felt better for most of my life if I had paid more attention to what I was eating, and my savings account could be bigger as well. I still occasionally eat out and enjoy the rare ice cream as well as the bread with butter. I’m not a nutritionist, I am a financial advisor, and financial coach. I just know that as a result of my personal experiences, and after 20+years working with my financial clients, many of those who have become more mindful of even just their eating out habits, have drastically improved their health and their financial lives.

What Are Some Practical Solutions to Prostate Cancer Care Barriers?

What Are Some Practical Solutions to Prostate Cancer Care Barriers? from Patient Empowerment Network on Vimeo.

Are there practical solutions to removing prostate cancer care barriers? Host Dr. Nicole Rochester, Dr. Yaw Nyame, and Dr. Petros Grivas provide insight on how solutions to barriers can be approached and share some support resources for improved patient outcomes.

See More From Best Prostate Cancer Care No Matter Where You Live

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What Barriers Do Prostate Cancer Patients Face When Seeking Care? 


Dr. Nicole Rochester: 

Let’s shift to solutions and what are some of the solutions that you all recommend for some of these barriers, as physicians, a lot of that is going to be out of your purview, but I’d love for each of you to suggest any solutions for our patients and care who may be facing some of these barriers, so this time we’ll start with you, Dr. Nyame. 

Dr. Nyame: 

This is an area where I think we need to do better in collecting information to understand where the need is, and so I think there is a very much a need for translational health services or patient-centered research, where we do the simple thing, if I was going to open up a lemonade stand in the middle of Seattle, I’d probably ask a few people what their needs are around lemonade before I open the stand, and I think in medicine, we often offer our services and solutions without having had that simple conversation of What are the needs? I think in addition to that, we have to understand that equitable care might mean offering additional services for certain populations, so for us at our cancer center, for instance, we’ve recently instituted a patient navigator program, something that’s been around for a long time, and other sites but it’s allowing us to do that, go through that exercise of providing some equitable care by helping people coordinate appointments, find their way to financial resources that might support them, and just to be there as a support in the very difficult time of having a new cancer diagnosis, so I think that’s a well-proven and well-established method for helping people get access to care. 

The other thing I’ll add is that we make decisions, I think as humans, we make decisions through community, and sometimes that’s our partner, sometimes that somebody at the gym, sometimes that’s a co-worker, and there are a lot of really fantastic patient advocacy networks that exist that can help people find this new community, and I think cancer patients share a very unique bond and in a very unique way to communicate with one another because they’re living through this particular diagnosis, and so for in the case of prostate cancer, especially prostate cancer in Black men, you have the Prostate Health Education Network, you have Zero Cancer, you have Us TOO, you have the Prostate Cancer Foundation, probably leaving some advocacy groups off and I’m probably going to get in trouble, but I think that there’s that opportunity to reach out to others and just learn…what did you go through, what worked for you? How can I meet my goals of care through just conversation with other patients and survivors, and I’ll try to leave something for Dr. Grivas to the conversation because clearly I could go on and on. 

Nicole Rochester: 

Dr. Grivas? 

Dr. Grivas: 

I’ll tell you that I’m learning every day from Dr. Nyame, his fantastic work in this important topic, and I think he covered the answer so well. If I can just add a few more things just to expand on this of sorts, and these are things that already he’s doing in his programmatic development in our institution as well. I think one of the important things we have to acknowledge all of us is the issue of systemic racism and implicit bias that I think you referred to Dr. Rochester. I think the more we talk about, the more transparent we are with it, the better because we can think about what are unconscious or subconscious thoughts that we may have, you know, “This patient doesn’t care about themselves. Why should we go the extra mile to help them?” We should go the extra mile to help them, because this patient may have less inside of the situation, and they need more resources and as a healthcare system, we should try to earn that patient, right? We should not let that patient go, because every patient matters, right? And I think every life matters. I think that’s important. I think overall a systemic issue to discuss. The other thing is getting our sense of the community, and I think the examples of studies we have done in the clinic and other areas that we try to utilize the wisdom and the help of local leaders in those communities for example, underserved populations go to local churches or barber shops or gyms as Dr. Nyame mentioned and collaborate, work with the local leaders and see how we can have a dialogue with the patients there? How can we establish this trust that may be missing, how we can convey that health is important, and prevention is important, and treatment is important, how can we help with financial constraints, right? How can we get patients to the cancer center without them having to worry about how to get there, how can we reach out and have screening in the present county screening in the community, if it’s indicated then access to care telemedicine, and that brings an issue, do the patients have equipment for telemedicine, a computer, we take it for granted, but it may not be. So given those resources, organizing some local centers with this Men’s Health Day, just to get people in a room and educate them, but also learning from them what are the barriers to take it into account, not talk down to them, but learning with them and from them. 

The other thing is research and that will have to do a better job to include an offer in an equitable manor clinical trials to our patients including patients from different races and we are doing, I think, overall, okay, but we are not doing enough, we have to do better in order to provide this opportunities to our patients and the role of patient navigators is great. We can set examples, and we have patients who feel much more comfortable when they have a patient navigator. Sometimes if it happens to be in the same race with a patient then the patient feels more comfortable. They have someone that they can trust or it will be easier to talk to, and I think we should definitely improve and work harder to provide access to research inequitable manor to our patients. The last point I would say is, patient co-pay assistance programs and foundations, I think we can definitely include more resources to our patients, philanthropy, foundation support and state programs in order to give those patients the resource they need again to achieve this holy grail, which is equitable health care. 

Financial Resources for Patients and Families

Financial Resources