In the United States, the benefits paid out in either a lump sum policy or scheduled benefits policy may not be taxable, depending on whether you or your employer paid for them, and whether they were paid for with pre-tax or post-tax dollars. Cancer insurance policies typically offer wellness benefits (varies from state to state) that are meant to help those suffering from cancer or at risk of developing the disease adopt healthier lifestyles. These benefits vary depending on the insurance company providing coverage. These benefits can offer financial support for those pursuing healthy living programs, such as tobacco cessation, gym memberships, and dietary changes. Insurers may also offer access to information regarding healthy lifestyles, which policyholders are able to acquire at any time. Typical coverage benefits also provide policyholders with access to wellness tests that are meant for early detection of disease and monitoring other aspects of overall health. These tests include mammograms, Pap smear tests, and colonoscopies as well as many others. In many cases, those with cancer insurance must submit proof that they have received an exam to their cancer insurance provider. This matter is typically handled by the medical professional conducting the exam. Once the evidence of the exam has been submitted and verified, the insurance company will then provide the necessary financial support. As a supplement to traditional health insurance policies, cancer insurance and its associated benefits, are limited in scope. The benefits associated with these policies are often designed to mitigate the effects of cancer or encourage the prevention of the disease as a whole. Benefits come in different varieties depending upon the insurance company underwriting the policies. Many policies offer benefits concerning medical expenses, which include costs associated with health care, such as cancer treatment. Other policies offer benefits concerning non-medical costs. These benefits provide policyholders with financial assistance for transportation, food, home and child care, and certain bills. Skin cancer is the most commonly diagnosed form of cancer. The primary categories of skin cancer are basal-cell carcinoma (BCC), squamous-cell carcinoma (SCC), and melanoma. The first two, collectively known as non-melanoma skin cancers (NMSC), are highly unlikely to metastasize and comprise the majority of skin cancer diagnoses. Many cancer insurance plans do not offer benefits for policyholders diagnosed with these "non-melanoma" skin cancers, or a large share of cases that are frequently called cancer. Other plans that provide both initial-diagnosis payments and recurring payments may not provide a lump-sum benefit for the initial diagnosis of a non-melanoma skin cancer.