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Lung Cancer Screening Insurance Checklist

Questions to Ask Your Insurance Company about Coverage for Lung Cancer Screening

Lung cancer screening means testing for lung cancer before a person has any symptoms. Right now, many insurance companies are covering this service for those considered to be at high-risk. However, before you decide to get a lung cancer screening, it is important to know exactly what your insurance will cover. Use the questions below as a guide for your conversations with your insurance company.

How Do I Contact My Insurance Company?

On the back of your insurance card, there will be a phone number for you to call. You will likely be asked for your plan information and group ID.

Questions to Ask when Planning for Screening

  • Has my insurance company put together a website or a flyer on lung cancer screening coverage issues?
  • Do I need to go to my primary care provider/my doctor before I get screened to get a referral or determine if screening is appropriate for me?
  • What paperwork do I need to complete before, during or after that visit to ensure my screening is covered by insurance?

Questions to Ask about Scheduling the Screening

  • Do I need a referral or preauthorization?
    • If so, from whom?
    • Who must this referral or preauthorization be sent to?
    • Will my physician submit it or must I?
  • Is there a certain place (facility or center) I need to go to for my screening?
    • If the nearest facility is too far away from where I live, what do I do?
  • Will my insurance cover my travel expenses to the screening?

Questions to Ask Insurance Company about Costs

  • Are all the costs of the screening completely covered or will I be charged any out of pocket expenses?
    • Will I need to pay a facility fee?
    • Are there other out of pocket costs I will need to pay?

Questions to Ask about Activities after the Screening

  • Who do I follow-up with after my screening?
  • Is my follow-up doctor’s visit covered under my insurance?
    • If not, what are the expected out of pocket expenses?
  • What follow-up tests will I need if something is detected during screening and will my insurance cover those tests?
  • If my doctor recommends screening every year, will it be covered by my insurance?
  • Will my insurance cover counseling and medications that can help me quit smoking? What are my out of pocket expenses?

    Approved by Scientific and Medical Editorial Review Panel. Last reviewed November 3, 2016.

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