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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.


BENEFIT DESCRIPTION

CANCER INSURANCE
PLUS

CANCER INSURANCE
ELITE

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 Occurence 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



$300 per year



$600 per year

Annual Radiation, Chemotherapy,
Immunotherapy and Experimental
Treatment Benefit (Rider)

Actual charge up to
$10,000 per calendar year

Actual charge up to
$10,000 per calendar year

Actual charge up to
$10,000 per calendar year

Annual Cancer Screening Benefit (Rider)

Actual charge up to $50 per calendar year

Actual charge up to $50 per calendar year

Actual charge up to $50 per calendar year

First Occurrence Benefit (Rider)

$1,000
one-time payment, lifetime maximum

$2,500
one-time payment, lifetime maximum

$5,000
one-time payment, lifetime maximum

Daily Hospital Confinement Benefit (Rider)

$100 per day

$200 per day

$300 per day

Surgical Benefit (Rider)

- Anesthesia

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

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

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

Specified Disease Benefit (Rider)

$1,500
Initial Hospitalization Benefit

$3,000
Initial Hospitalization Benefit

$4,500
Initial Hospitalization Benefit

Ambulance

Actual Charge

Actual Charge

Actual Charge

Anti-Nausea Medication

$150 per month

$150 per month

$150 per month

Attending Physician (Inpatient Only)

$40 per day

$40 per day

$40 per day

Blood, Plasma and Platelets

Actual charge up to $300 per day

Actual charge up to $300 per day

Actual charge up to $300 per day

Bone Marrow or Stem Cell Transplant

Actual charge up to $15,000 lifetime maximum

Actual charge up to $15,000 lifetime maximum

Actual charge up to $15,000 lifetime maximum

Private Duty Nurse (Inpatient or Outpatient)

Actual charge up to $150 per day

Actual charge up to $150 per day

Actual charge up to $150 per day

Medical Imaging

Actual charge up to $1,000 per calendar year

Actual charge up to $1,000 per calendar year

Actual charge up to $1,000 per calendar year

Medical Equipment

Actual charge up to $1,500 per calendar year

Actual charge up to $1,500 per calendar year

Actual charge up to $1,500 per calendar year

Outpatient Hospital or
Ambulatory Surgical Center

Actual charge up to $350 per day

Actual charge up to $350 per day

Actual charge up to $350 per day

Positive Diagnosis

Actual charge up to $300 per calendar year

Actual charge up to $300 per calendar year

Actual charge up to $300 per calendar year

Convalescent Care Facility

Actual charge up to $100 per day

Actual charge up to $100 per day

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

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

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

Actual charge up to $100 per day

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

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

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.

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

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

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

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.

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

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

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

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.

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

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.

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

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.

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

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

Actual charge up to
$1,000 per calendar month

Actual charge up to
$1,000 per calendar month

Inpatient Oxygen

Actual charge up to $300 per hospital confinement

Actual charge up to $300 per hospital confinement

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.

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

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

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

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

Premium waived after 60 days of Insured’s continuous total disability due to cancer

Premium waived after 60 days of Insured’s continuous total disability due to cancer

1i[2]y. I’m too young for this! Cancer Foundation. Stats & Facts. n.d.

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

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






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