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What is Supplemental Cancer Insurance?

Each year cancer affects the lives of more and more people. In fact, over the past 30 years, cancer incidence in young adults has increased more than any other age group. (1) As the number of people afflicted with cancer continues to rise, so does the cost of care and treatment.
Supplemental Cancer Insurance is disease specific insurance that is designed to work hand-in-hand with your primary insurance. It helps to offset expenses that are not covered under your primary plan, out-of-pocket expenses like deductibles, coinsurance and copays; and most importantly, it can also be used for those everyday living expenses that still need to be paid even when you are sick.

How would you handle your monthly household bills if you were unable to work for a period of time?

Cancer is the second leading cause of long-term disability and the sixth leading cause of short-term disability. (2) If you were sick and couldn’t work for a while, you could use supplemental cancer benefits to help pay household bills like mortgage or rent, car payments, phone, internet and groceries - things we often take for granted until we are faced with the burden of unexpected expenses.
Studies indicate that reducing worry and stress can help to diminish the negative effects of cancer. (3) Supplemental cancer insurance can give you a measure of comfort in knowing that you have help with financial burdens whether or not you are able to work. So now, you can concentrate on winning the battle against cancer instead of worrying about how to pay bills.

    • CANCER INSURANCE PLUS

    • First Occurrence Building Benefit Rider

      While this rider is in effect, on the day following each anniversary, we will increase the First Occurrence Benefit amount shown on the Certificate Schedule for each Covered Person. This benefit will cease to annually increase for a Covered Person on the day following the first Certificate Anniversary after the Covered Person's 65th birthday.

      N/A
    • Annual Radiation, Chemotherapy, Immunotherapy and Experimental Treatment Benefit (Rider)

      Actual charge up to $10,000 per calendar year

    • Annual Cancer Screening Benefit (Rider)

      Actual charge up to $50 per calendar year

    • First Occurrence Benefit (Rider)

      $1,000 one-time payment, lifetime maximum

    • Daily Hospital Confinement Benefit (Rider)

      $100 per day

    • Surgical Benefit (Rider) - Anesthesia

      Up to $2,500 30% of the amount paid for covered surgery

    • Specified Disease Benefit (Rider)

      $1,500 Initial Hospitalization Benefit

    • Ambulance

      Actual Charge

    • Anti-Nausea Medication

      $150 per month

    • Attending Physician (Inpatient Only)

      $40 per day

    • Blood, Plasma and Platelets

      Actual charge up to $300 per day

    • Bone Marrow or Stem Cell Transplant

      Actual charge up to $15,000 lifetime maximum

    • Private Duty Nurse (Inpatient or Outpatient)

      Actual charge up to $150 per day

    • Medical Imaging

      Actual charge up to $1,000 per calendar year

    • Medical Equipment

      Actual charge up to $1,500 per calendar year

    • Outpatient Hospital or Ambulatory Surgical Center

      Actual charge up to $350 per day

    • Positive Diagnosis

      Actual charge up to $300 per calendar year

    • Convalescent Care Facility

      Actual charge up to $100 per day

    • Home Health Care Expense

      Visits

      Actual charge up to $75 per day up to 60 visits

      Medicine and Supplies

      Actual charge up to $450 per calendar year

      Services of a Nutritionist

      Actual charge up to lifetime maximum of $300

    • Hospice Care Expense 365 Day Maximum

      Actual charge up to $100 per day

    • Non-Local Transportation Expense

      Actual charge for coach fare for Covered Person and one adult or $.50 per mile by private vehicle

    • Lodging Expense

      Actual charge up to $75 per day for room. Limited to 100 days per calendar year.

    • National Cancer Institute
      Cancer Evaluation / Consultation

      If a Covered Person receives a positive diagnosis of internal cancer and seeks an evaluation or consultation, we will pay actual charge up to lifetime maximum of $750

    • Mental Health Consultation

      Actual charge up to $50 per session. Limited to lifetime maximum of 50 sessions.

    • Prosthesis Benefit

      Surgical Implantation

      Actual charge up to $3,000 per device. Lifetime maximum of $6,000.

      Non-Surgical

      Actual charge up to $2,000 lifetime maximum

      Hairpiece

      Actual charge up to $150 lifetime maximum

    • Second and Third Surgical Opinion Benefit

      Actual charge for a second surgical opinion. If second opinion is in conflict with original, we will pay actual charge for third surgical opinion.

    • Physical / Speech / Auditory Therapy

      Actual charge up to $25 per therapy. Limited to $1,000 per calendar year.

    • Bone Marrow Donor

      We will pay the Daily Hospital Confinement Benefit amount shown for each day the donor is confined in a hospital.

    • Colony Stimulating Factor Drugs or Immunoglobulin

      Actual charge up to $1,000 per calendar month

    • Inpatient Oxygen

      Actual charge up to $300 per hospital confinement

    • Home Modifications

      Actual charge up to a lifetime maximum of $1,000 for bathroom or door modification which is required for wheelchair access.

    • Tutorial

      Actual charge up to $20 per each one-hour session. Limited to lifetime maximum of 50 one-hour sessions

    • Waiver of Premium

      Premium waived after 60 days of Insured's, continuous total disability due to cancer.

    • CANCER INSURANCE ELITE

    • First Occurrence Building Benefit Rider

      While this rider is in effect, on the day following each anniversary, we will increase the First Occurrence Benefit amount shown on the Certificate Schedule for each Covered Person. This benefit will cease to annually increase for a Covered Person on the day following the first Certificate Anniversary after the Covered Person's 65th birthday.

      $300 per year
    • Annual Radiation, Chemotherapy, Immunotherapy and Experimental Treatment Benefit (Rider)

      Actual charge up to $15,000 per calendar year

    • Annual Cancer Screening Benefit (Rider)

      Actual charge up to $50 per calendar year

    • First Occurrence Benefit (Rider)

      $2,500 one-time payment, lifetime maximum

    • Daily Hospital Confinement Benefit (Rider)

      $200 per day

    • Surgical Benefit (Rider) - Anesthesia

      Up to $3,000 30% of the amount paid for covered surgery

    • Specified Disease Benefit (Rider)

      $3,000 Initial Hospitalization Benefit

    • Ambulance

      Actual Charge

    • Anti-Nausea Medication

      $150 per month

    • Attending Physician (Inpatient Only)

      $40 per day

    • Blood, Plasma and Platelets

      Actual charge up to $300 per day

    • Bone Marrow or Stem Cell Transplant

      Actual charge up to $15,000 lifetime maximum

    • Private Duty Nurse (Inpatient or Outpatient)

      Actual charge up to $150 per day

    • Medical Imaging

      Actual charge up to $1,000 per calendar year

    • Medical Equipment

      Actual charge up to $1,500 per calendar year

    • Outpatient Hospital or Ambulatory Surgical Center

      Actual charge up to $350 per day

    • Positive Diagnosis

      Actual charge up to $300 per calendar year

    • Convalescent Care Facility

      Actual charge up to $100 per day

    • Home Health Care Expense

      Visits

      Actual charge up to $75 per day up to 60 visits

      Medicine and Supplies

      Actual charge up to $450 per calendar year

      Services of a Nutritionist

      Actual charge up to lifetime maximum of $300

    • Hospice Care Expense 365 Day Maximum

      Actual charge up to $100 per day

    • Non-Local Transportation Expense

      Actual charge for coach fare for Covered Person and one adult or $.50 per mile by private vehicle

    • Lodging Expense

      Actual charge up to $75 per day for room. Limited to 100 days per calendar year.

    • National Cancer Institute
      Cancer Evaluation / Consultation

      If a Covered Person receives a positive diagnosis of internal cancer and seeks an evaluation or consultation, we will pay actual charge up to lifetime maximum of $750

    • Mental Health Consultation

      Actual charge up to $50 per session. Limited to lifetime maximum of 50 sessions.

    • Prosthesis Benefit

      Surgical Implantation

      Actual charge up to $3,000 per device. Lifetime maximum of $6,000.

      Non-Surgical

      Actual charge up to $2,000 lifetime maximum

      Hairpiece

      Actual charge up to $150 lifetime maximum

    • Second and Third Surgical Opinion Benefit

      Actual charge for a second surgical opinion. If second opinion is in conflict with original, we will pay actual charge for third surgical opinion.

    • Physical / Speech / Auditory Therapy

      Actual charge up to $25 per therapy. Limited to $1,000 per calendar year.

    • Bone Marrow Donor

      We will pay the Daily Hospital Confinement Benefit amount shown for each day the donor is confined in a hospital.

    • Colony Stimulating Factor Drugs or Immunoglobulin

      Actual charge up to $1,000 per calendar month

    • Inpatient Oxygen

      Actual charge up to $300 per hospital confinement

    • Home Modifications

      Actual charge up to a lifetime maximum of $1,000 for bathroom or door modification which is required for wheelchair access.

    • Tutorial

      Actual charge up to $20 per each one-hour session. Limited to lifetime maximum of 50 one-hour sessions

    • Waiver of Premium

      Premium waived after 60 days of Insured's, continuous total disability due to cancer.

    • CANCER INSURANCE PREMIER

    • First Occurrence Building Benefit Rider

      While this rider is in effect, on the day following each anniversary, we will increase the First Occurrence Benefit amount shown on the Certificate Schedule for each Covered Person. This benefit will cease to annually increase for a Covered Person on the day following the first Certificate Anniversary after the Covered Person's 65th birthday.

      $600 per year
    • Annual Radiation, Chemotherapy, Immunotherapy and Experimental Treatment Benefit (Rider)

      Actual charge up to $20,000 per calendar year

    • Annual Cancer Screening Benefit (Rider)

      Actual charge up to $100 per calendar year

    • First Occurrence Benefit (Rider)

      $5,000 one-time payment, lifetime maximum

    • Daily Hospital Confinement Benefit (Rider)

      $300 per day

    • Surgical Benefit (Rider) - Anesthesia

      Up to $4,000 30% of the amount paid for covered surgery

    • Specified Disease Benefit (Rider)

      $4,500 Initial Hospitalization Benefit

    • Ambulance

      Actual Charge

    • Anti-Nausea Medication

      $150 per month

    • Attending Physician (Inpatient Only)

      $40 per day

    • Blood, Plasma and Platelets

      Actual charge up to $300 per day

    • Bone Marrow or Stem Cell Transplant

      Actual charge up to $15,000 lifetime maximum

    • Private Duty Nurse (Inpatient or Outpatient)

      Actual charge up to $150 per day

    • Medical Imaging

      Actual charge up to $1,000 per calendar year

    • Medical Equipment

      Actual charge up to $1,500 per calendar year

    • Outpatient Hospital or Ambulatory Surgical Center

      Actual charge up to $350 per day

    • Positive Diagnosis

      Actual charge up to $300 per calendar year

    • Convalescent Care Facility

      Actual charge up to $100 per day

    • Home Health Care Expense

      Visits

      Actual charge up to $75 per day up to 60 visits

      Medicine and Supplies

      Actual charge up to $450 per calendar year

      Services of a Nutritionist

      Actual charge up to lifetime maximum of $300

    • Hospice Care Expense 365 Day Maximum

      Actual charge up to $100 per day

    • Non-Local Transportation Expense

      Actual charge for coach fare for Covered Person and one adult or $.50 per mile by private vehicle

    • Lodging Expense

      Actual charge up to $75 per day for room. Limited to 100 days per calendar year.

    • National Cancer Institute
      Cancer Evaluation / Consultation

      If a Covered Person receives a positive diagnosis of internal cancer and seeks an evaluation or consultation, we will pay actual charge up to lifetime maximum of $750

    • Mental Health Consultation

      Actual charge up to $50 per session. Limited to lifetime maximum of 50 sessions.

    • Prosthesis Benefit

      Surgical Implantation

      Actual charge up to $3,000 per device. Lifetime maximum of $6,000.

      Non-Surgical

      Actual charge up to $2,000 lifetime maximum

      Hairpiece

      Actual charge up to $150 lifetime maximum

    • Second and Third Surgical Opinion Benefit

      Actual charge for a second surgical opinion. If second opinion is in conflict with original, we will pay actual charge for third surgical opinion.

    • Physical / Speech / Auditory Therapy

      Actual charge up to $25 per therapy. Limited to $1,000 per calendar year.

    • Bone Marrow Donor

      We will pay the Daily Hospital Confinement Benefit amount shown for each day the donor is confined in a hospital.

    • Colony Stimulating Factor Drugs or Immunoglobulin

      Actual charge up to $1,000 per calendar month

    • Inpatient Oxygen

      Actual charge up to $300 per hospital confinement

    • Home Modifications

      Actual charge up to a lifetime maximum of $1,000 for bathroom or door modification which is required for wheelchair access.

    • Tutorial

      Actual charge up to $20 per each one-hour session. Limited to lifetime maximum of 50 one-hour sessions

    • Waiver of Premium

      Premium waived after 60 days of Insured's, continuous total disability due to cancer.

1 I'm too young for this! Cancer Foundation. Stats & Facts. n.d.

2 Lynn Gresham. NBGH Targets Cancer In the Workplace. Employee Benefit Advisor.

3 M. D. Anderson News Release, www.mdanderson.org, Preclinical Study Shows Chronic Stress Agitates Ovarian Cancer; Reducing Stress Slows Tumor Growth.






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