Young adults coping with cancer face challenges that are different than people of other age groups.

A cancer diagnosis is most often unexpected. That is especially true for young adults in their 20’s or 30’s. At this age, it’s normal to feel invincible, and to believe that serious illnesses like cancer can happen only to older people. While it is rare, each year cancer is diagnosed in more than 70,000 adolescents and young adults (ages 15-39).

Young adulthood is a time when most people are focused on their education, career, dating, and starting a family. However, as a young adult with cancer, you may find yourself confronting different concerns, such as where to get the best medical care or how you’ll pay for treatment-related expenses.

While you may have to delay some of your goals, a cancer diagnosis doesn’t have to stop you from living your life. This booklet offers helpful advice on how to cope with many of the changes and adjustments related to your cancer, and places you can turn to for support.

Managing your Treatment

After hearing the words, “You have cancer,” you may feel scared and overwhelmed. Learning as much as you can about your diagnosis can help you feel more in control. The relationship you have with your doctors and nurses can also make a huge difference in helping you cope.

Here are some tips for managing your treatment and communicating with your health care team.

Get informed. The members of your health care team can provide accurate information about your diagnosis, treatment options, and referrals to valuable resources. Ask them to recommend reliable websites, organizations, books, or brochures that describe your diagnosis and your treatment.

The resources listed in the back of this booklet are also excellent sources of information. If you feel overwhelmed with the amount of research you need to do, ask a friend or a family member for help.

Prepare for your medical appointments. If you have many questions about your care, you may find it helpful to write down your questions in advance. Prioritize them so that the most important questions are answered first. Write down your doctor’s answers or bring someone with you to take notes or serve as a second set of ears. Remember, you can also ask for copies of your medical records.

Don’t be afraid to ask questions. If you are unsure what something means, let your doctor know. Make your questions specific and brief. Use “I” statements whenever possible—saying “I do not understand” is more effective than “You are being unclear.” Try repeating the information back to your doctor to make sure you understand what he or she is saying. If you are a visual learner, ask to see the X-rays or slides.

Bring up fertility preservation concerns. Cancer treatments can have a wide variety of long-term and short-term side effects on a person’s ability to conceive or carry a baby to term. Discuss fertility concerns with your doctor before, during, and after treatment. Your health care team may refer you to a fertility preservation specialist so that you can explore options such as sperm or egg harvesting (storing for later use). Some of these options are costly, and few are covered by insurance at this time, but financial assistance programs are available for those who qualify. For comprehensive information about fertility preservation, contact Fertile Hope or The OncoFertility Consortium.

Discuss your preferences. Your lifestyle and daily activities may influence treatment recommendations. Talk with your health care team about treatment goals and your preferences about treatment. For example, find out if treatment will interfere with your ability to continue working or going to school. If you have an important event coming up, ask if you can reschedule an appointment or round of treatment so you can attend. Scheduling adjustments may not always be possible, but you won’t know unless you ask.

Be your own advocate. Because you know yourself and your needs better than anyone, you are in the best position to talk with your health care team about any issues. You may have to take the lead in bringing up certain topics, such as fertility preservation or how much your treatment will cost. Don’t hesitate to bring up any concerns so that you get the help you need.

Help With Insurance Matters

Whether you are the primary insured or on another person’s insurance policy, talk to your insurance company about any concerns that you may have. Many companies will assign a case manager to help you clarify benefits and suggest ways to get other health services. You can also ask for help from an insurance broker or from the human resources staff at your workplace. CancerCare’s professional oncology social workers can also help you navigate the world of insurance policies and paperwork.

If you recently left a job and were covered by an employer’s health insurance, you may be eligible to continue receiving insurance coverage under COBRA (the Consolidated Omnibus Budget Reconciliation Act). COBRA requires employers to make health insurance under their plan available to former employees up to 18 months after employment has ended. For more information, visit the website for the U.S. Department of Labor.

If you feel you have been denied a claim even though you are entitled to coverage, the Kaiser Family Foundation has a helpful guide on how to dispute claims with your insurer. To learn more, visit www.kff.org. Arrange a meeting with someone from the hospital’s financial office or billing department. You may be able to work out a monthly payment plan or get a reduced rate.

Some centers that provide reduced-cost health care, such as Hill-Burton facilities, administer care for free or on a sliding scale based on your income. These facilities are available in most states. To find a Hill-Burton facility near you, call 800-638-0742 or visit the website of the U.S. Department of Health and Human Services. Uninsured young adults may also be eligible to receive financial help for medical expenses through Medicaid.

School and Work: Adjusting Your Schedule

A cancer diagnosis may require that you make adjustments to your education or career plans and goals. But it doesn’t have to interfere with all aspects of your life. Young adults with cancer are often able to continue with work or school by modifying their routines. Your teachers and co-workers may prove to be excellent sources of guidance and support.

Before returning to school, make an appointment with your school’s office of student affairs to discuss the transition back to student life. The office’s administrators can refer you to the appropriate health and financial resources, as well as discuss your school’s health services and student health insurance policy. Consider meeting with the staff in your student health center to make them aware of your medical history.

Many young adults are able to return to the workplace during or after treatment. But some may need to limit the number of hours they work per week, or choose to leave their job entirely. Tell your doctor about your typical workday, along with your treatment history, to help form a recommendation on whether you can return to work.

The Americans with Disabilities Act helps protect the civil rights of people with a disability, which includes facing a cancer diagnosis. Talk to your supervisor or your human resources department and discuss accommodations that may help ease your transition, including a flexible work schedule or a re-evaluation of your job’s responsibilities and duties.

General Cancer Organizations
CancerCare
800-813-HOPE (4673)

American Cancer Society
800-227-2345

Cancer and Careers

Cancer Support Community
888-793-9355

LiveStrong
877-236-8820

National Cancer Institute
800-422-6237

National Coalition for Cancer Survivorship
877-622-7937

Young Adult Organizations
CancerCare’s Young Adult Services
800-813-HOPE (4673)

Camp Mak-a-Dream
406-549-5987

Fertile Action
877-276-5951

Fertile Hope
855-220-7777

First Descents
303-945-2490

I’m Too young For This! Cancer Foundation
877-735-4673

The saMFund
866-439-9365

Ulman Cancer Fund
888-393-3863

Young Survival Coalition
877-972-1011

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The information presented in this publication is provided for your general information only. It is not intended as medical advice and should not be relied upon as a substitute for consultations with qualified health professionals who are aware of your specific situation. We encourage you to take information and questions back to your individual health care provider as a way of creating a dialogue and partnership about your cancer and your treatment.