Understanding multiple myeloma

Multiple myeloma is the second most common blood cancer in the United States. This particular type of cancer affects the bone marrow, disrupting the body’s ability to generate healthy blood cells and defend against infections and diseases. It also weakens the structure of the bones themselves. Common symptoms often include back or rib pain, broken bones, frequent infections and fevers, weight loss, and persistent fatigue.

However, thanks to advances in treatment, a diagnosis of multiple myeloma isn’t what it used to be. Nowadays, after treatment, most people with this diagnosis go into remission and are able to lead fulfilling lives. While multiple myeloma is not currently curable, treatment focuses on controlling the disease, treating and preventing fractures, managing symptoms, and improving overall quality of life

Getting Answers from the Experts

Multiple myeloma is a complex cancer, and its impact can differ from person to person. Factors such as overall health, age, and the specific characteristics of the cancer itself contribute to this variation. Obtaining a second opinion can give you a more comprehensive understanding of your unique situation and ensure you receive the most effective personalized treatment plan possible.

Also, medical advancements are continually improving multiple myeloma treatment. What might be the standard today may evolve tomorrow. Specialists in multiple myeloma have the depth of knowledge and experience that is vital for effective treatment. Their expertise goes beyond general oncology, focusing specifically on the intricacies of this blood cancer.

Carrum Health’s network includes experts in multiple myeloma from facilities like Johns Hopkins Sydney Kimmel Comprehensive Cancer Center and Fred Hutchinson Cancer Center. These cancer centers have some of the most experienced cancer teams in the country, including leading experts in hematology, radiation oncology, pathology, and pain management. They see a high number of multiple myeloma patients each year and have access to the latest research and newest treatments, including clinical trials.

If your employer offers the Carrum Health cancer care benefit and you’ve been diagnosed with or test results indicate you may have multiple myeloma, contact Carrum Health. Our cancer care navigators will help coordinate a second opinion at one of the cancer centers in our network.

And while most health plans do not cover second opinions, the cost is fully covered for Carrum Health members, and this service can often be provided online, allowing you to remain in the comfort of your own home.

CAR T-Cell Therapy

The Carrum Health cancer care benefit also covers FDA-approved therapy for multiple myeloma that has relapsed (come back) or stopped responding to treatment.

Chimeric antigen receptor (CAR) T-cell therapy is a unique and innovative cancer treatment. Doctors take some of the patient’s own immune cells and transform them in a lab so that they can recognize the cancer better. These modified cells are then put back into the patient’s body through an infusion to target and destroy the cancer.

What Carrum Health Covers

Undergoing CAR T-cell therapy is a process that involves several stages, each requiring careful consideration and monitoring. Not all health insurance policies include coverage for this therapy. However, if your employer provides the Carrum Health cancer care benefit specifically for CAR T-cell therapy, your coverage encompasses the full range of essential services. This includes consultations with experts to determine your eligibility, treatment planning, conditioning therapy, the infusion, and monitoring.

In some cases, if you need to travel to receive therapy, your travel costs may be covered for you and an adult companion. This would include round-trip transportation (fuel, rental car, flights, etc.), hotel fees, parking, and a daily stipend for meals. All travel arrangements can be made by your Carrum Health care navigator, who will ensure that your care is well coordinated throughout your cancer journey.

After you receive your second opinion, you’ll also have access to virtual support from expert oncology nurses. These highly trained nurses are available to answer cancer-related questions and provide ongoing assistance for up to two years, offering valuable support beyond the initial diagnosis.

The information contained on this page is for informational purposes only. No material is intended to be a substitute for professional medical advice, diagnosis, or treatment.


*With the exception of second opinions, individuals enrolled in a high-deductible plan must first meet their deductible, but oftentimes copays and coinsurance will be waived. Second opinions are typically provided at no cost to members and do not require payment of any deductible. Per IRS rules, a portion of any covered travel expenses will be reported as taxable income to the covered member.

How Carrum Health Can Help
Carrum Health is a unique benefit that connects employees with the country’s top surgeons and cancer specialists to receive high-quality care at a far lower cost. Find out if the Carrum Health benefit is available to you.