Wilma is a skin cancer specialist nurse, here to answer your questions about different...
I am wondering whether anyone has any experience with Beagle Street and how straight forward the claims process is for malignant melanoma.
My partner was recently diagnosed with stage 2 melanoma and I wondered if this would be covered to claim for under our critical illness policy to help us both out with money worries from missing work etc and private health care if needed. He has had the lump cut out and is going for wider margin surgery soon.
Any advice would be much appreciated.
Hi Steo91 and welcome to the online community
I'm sorry to hear that your partner has recently been diagnosed with melanoma.
I don't have any experience with Beagle Street Insurance but have had a quick look on their website and cancer is covered under their critical illness cover. You will need to have a look at your policy, or look at the policy conditions online, to see if melanoma is covered.
If you're still not sure then give them a call and they'll tell you. I expect that your partner would need to call them anyway to start the claim.
Lots of us here have had the wide local excision (WLE) that your partner is having so can answer most questions about what to expect. Is he also having a sentinel lymph node biopsy (SLNB)?
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Thanks for the reply.
It days say it doesn't cover skin cancer other than malignant melanoma that has invaded the epidermis.
Yeah he is also having a lymph node biopsy. They are unsure if he might have to have skin graphs aswell due to being on shoulder and taking 2cm from around scar.
It sounds like your partner will be able to claim then Steo91
Although you haven't said whether your partner is Stage 2a, b or c, if he's Stage 2 then his melanoma is at least 1.01mm thick and that means it's invaded the epidermis. Click on this link for more information on staging.
I had a SLNB just over two years ago so understand how he might be feeling. If he wants to ask anything then just ask away! Does he have a date yet for his operations?
When you have a minute could you pop something about your partner's journey so far into your profile as it really helps others when answering or looking for someone with a similar diagnosis. It also means that you don't have to keep repeating yourself. To do this click on your username and then select 'Edit Profile'. You can amend it at any time and if you're not sure what to write you can take a look at mine by clicking on my username.
The consultant have only ever said he has got stage 2 and it is on the thicker end... We have had great news and they have said the ct scan showed up that it has not spread! Yay!!
The next step is to have the lymph node biopsy and the wider surgery and then hopefully all will be well which is amazing news! This was all such a shocker as he had a lump on his neck which resembled a wart but then started bleeding so he went to the doctors. The gp thought it was a blood vessel thing which is completely different to what it was when the biopsy was done.
Fingers crossed everything will all be now OK! :-)
He is seeing a plastic surgeon on Monday to discuss the next procedure, no date for operation yet.
Ps that quote is amazing! So right.
That's great news that your partner's CT scan shows no spread Steo91!
When I went to see my plastic surgeon for my pre-op the WLE and SLNB happened a couple of weeks later so your partner's ops might be to the same timescale.
You may need to ask for the exact staging for the critical illness claim. Your partner's skin cancer nurse specialist (SCNS) should be able to get this information for him.
Keep us updated with how he gets on and, if he wants to ask any questions about the upcoming procedures, you know where to come.
Yeah really glad with the news! Thank you
Fingers crossed he hasn't got to wait too long. I think he mainly concerned about nerve damage in his shoulder as he does weights and lifting in work.
Im hoping they may provide this information to the insurance when they request details from the hospital.
Thank you for your help, really appreciate it.
If you take a look at my profile Steo91 you will see that my WLE was on my upper arm and the SLNB was in my armpit.
I initially lost the feeling in both places but that gradually came back over the course of probably about a year. At my check up 2 weeks after the ops I was advised to massage the areas everyday to "teach" the areas to feel again.
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