Tools for managing costs, insurance, clinical trial expenses, and planning.

Overview: Financial strain is common in cancer care—caregivers often manage logistics.

• Navigating health insurance and medical bills
• Understanding clinical trial costs and coverage
• Applying for financial aid or patient assistance programs
• Planning for in-home care, long-term care, or hospice

Practical & Financial Considerations

When a loved one is diagnosed with pancreatic cancer, caregivers often find themselves thrust into the role of financial organizer, insurance advocate, and care planner—all while trying to keep daily life afloat. These responsibilities can feel overwhelming, but with the right tools and knowledge, you can create structure and reduce stress. At Sky Foundation, we know this because our board and caregiver committees are filled with people who have faced these same challenges. You are not alone, and we are here to help.

Navigating Health Insurance & Medical Bills

Health insurance coverage can be confusing, especially when multiple specialists, hospital systems, and treatment plans are involved. Caregivers can take these steps to manage it effectively:

1. Get Organized
   • Create a binder or digital folder for all Explanation of Benefits (EOBs), medical bills, and prior authorizations.
   • Keep a running list of reference numbers and the names of insurance representatives you speak with. 
2. Ask Questions
   • Call the insurance company to confirm coverage before major procedures.
   • Ask hospitals if they have financial navigators who can explain charges line by line. 
3. Explore Appeals
   • If insurance denies coverage, request an appeal immediately.
   • Document medical necessity with the help of your loved one’s doctor.

 

Understanding Clinical Trial Costs & Logistics

Clinical trials can be promising treatment options, but they often come with hidden costs. While most trials cover the experimental treatment itself, other expenses may fall on families.

• Ask the right questions: Will insurance cover standard-of-care procedures during the trial? What about travel, lodging, or meals?
• Look for financial aid: Some pharmaceutical companies and nonprofits offer travel or lodging stipends.
• Explore local housing options: Hospitals may partner with Ronald McDonald House, Hope Lodge, or other organizations that provide low-cost housing. 

Planning for In-Home Care or Hospice

As treatment progresses, care needs often increase. Planning ahead helps reduce last-minute stress.

1. Research Home Health Agencies
   • Interview agencies about licensing, background checks, and services offered.
   • Ask about respite care (short-term professional care to give you a break). 
2. Know the Difference
   • Palliative care can begin at any stage to manage symptoms.
   • Hospice care is typically introduced when life expectancy is 6 months or less, focusing on comfort and quality of life. 
3. Discuss Preferences Early
   • Have conversations about your loved one’s wishes for end-of-life care.
   • Document advance directives and designate a healthcare proxy if not already in place. 

Reducing Everyday Financial Strain

Medical bills aren’t the only financial pressure. Caregivers often face reduced income or increased household expenses. Consider:

• Budget adjustments: Track monthly expenses and cut back where possible.
• Assistance programs: Many hospitals offer sliding scale fees or patient assistance.
• Tax benefits: Caregivers may qualify for deductions if providing more than half of a loved one’s support. 

Building Your Team of Support

No caregiver should carry the financial and logistical load alone.

• Ask trusted friends or family to help with paperwork, bill tracking, or making calls.
• Join Sky Foundation’s caregiver committees to learn strategies from others who’ve been in your shoes.
• Reach out early—our network of survivors and caregivers can provide both practical advice and emotional reassurance. 

Key Takeaway

Managing the financial and logistical aspects of pancreatic cancer care can feel overwhelming, but with organization, planning, and community support, it is possible to reduce stress and stay focused on what matters most—caring for your loved one. Sky Foundation provides survivor-led insight, caregiver-focused communities, and Legacy Giving opportunities so families can navigate today’s needs while creating a meaningful impact for tomorrow.