Cancer Expense Protection

AAW-C120 

When the doctor says "cancer" your first thought is – "will I survive?" But, cancer is not necessarily the death sentence it might have been 20 years ago. Cure rates steadily climb due to medical advances, preventive care, and early detection.

Your second thought might be –"what do I need to do to survive?" Medical professionals may present you with a long list including - tests, medications, hospitalizations, surgery, chemotherapy, radiation therapy, and even experimental procedures. Treating your cancer with the most aggressive options available shouldn’t be tied to your bank account – but the ugly surprise is that it might be.

Because fighting cancer is a lengthy and expensive battle, your health insurance co-pay may spiral beyond four or five digits – while your ability to pay plummets.

Life is priceless - but where would the money come from?

Consider these scenarios:

Your doctor prescribes a lifesaving procedure that is considered "experimental" by your health plan and is not covered…

You need to travel to a hospital that specializes in advanced care for your type of cancer– your health plan doesn’ t allow for this provider nor does it pay for your travel or lodging…

After appropriate treatment, you can recover at home – but you need help. Your spouse can’t miss more work, and home health care is over $100 a day…

Sometimes life has a price tag – 
could you afford to pay it?

These out of pocket expenses can get out of control when added to the medical deductible that you are already paying. Thankfully, Assurity at Work can help fill the gaps in your health plan’s coverage. The Cancer Expense Plan’s comprehensive coverage includes travel, food, and lodging for bone marrow donors as well as for the patient and his/her companion among many other expenses. (In addition, this plan can extend benefits to 30 dread diseases.)The Cancer Expense Plan won’t protect you from cancer or these tragic diseases, but it can ensure you have options to fight it.

Cancer Expense Plan benefit highlights:

• Issue ages 18-69 – uniform rates for men and women 
  

• Portable (you can take it with you, should you change employers)
  
• Guaranteed renewable*
  
• Choose level of benefits for hospitalization and services, prescriptions, surgery, second opinions, anesthesia, attending physician, private duty nurse, radiation, chemotherapy, and immunotherapy
  
• Physical and/or speech therapy, blood, ambulance, cancer screening, testing, counseling, and outpatient services (testing and surgery)
  
• Prosthetics, hairpiece, breast reconstruction
  
• Bone marrow transplants and experimental treatments (includes transportation and lodging for patient and donor)
  
• Transportation for non-local hospitalization (with transportation and lodging for companion)
  
• Care coverages: extended care facility, hospice, government hospital, home care (also durable medical equipment)
  
• Coverages can extend to 30 dread diseases (including Cystic Fibrosis, Multiple Sclerosis, and Muscular Dystrophy)

*Assurity Life Insurance Company cannot cancel coverage.  Premium rates, however, can be changed for all insureds of the same group of policies.

Extended Benefits and Waiver of Premiums

A variety of riders may be offered by your company so that you can customize Assurity at Work’s Cancer Expense Plan to fit you and your family’s specific insurance needs.

It’s smart, it’s simple -- it could be the key to surviving cancer and its price tag…

Note: Not all policies and riders are available in all states.
The Cancer Expense Plan is not designed as a substitute for health insurance, but as a supplement to it. Refer to policy for specific information Policy Form AAW-C120

For info only