Cancer Select Plus

Cancer-only indemnity insurance

 

Why Cancer Insurance? A cancer insurance policy is an insurance policy that pays a lump sum if the policy holder is diagnosed with cancer. These plans have payouts that typically range from $5,000 to $20,000 (plans with higher payouts have higher premiums). Cancer insurance policies are similar to critical illness plans, but are limited to cancer diagnosis, rather than the broader array of illnesses that are covered under critical illness plans. Cancer insurance policies are not designed to serve as stand-alone coverage; they’re intended to supplement a regular major medical health insurance plan. The money from the cancer insurance policy can be used to cover out-of-pocket costs under the major medical plan, as well as other expenses that arise during cancer treatment, like lost wages and the cost of traveling to treatment facilities.

 

Hospital Benefits

Plan Option 1 - 1.00 Units Policy Pays

Hospital Confinement

$100

per day of covered confinement

Extended Benefits

$200

per day; begins on day 91 of continuous confinement; in lieu of all other benefits (except surgery and
anesthesia)

Attending Physician

$20

per day while hospital confined; one visit per 24-hour period

Inpatient Drugs and Medicines

$15

per day while hospital confined

Private Duty Nurse

$100

per day while hospital confined; must be authorized by the attending physician; cannot be hospital staff or a family member

Ambulance

$100

for service by a licensed ambulance service for transportation to a hospital; admittance required

Extended Care Facility

$100

per day; up to the number of days for the prior hospital stay; admittance must be within 14 days of hospital discharge

Government or Charity Hospital

$100

per day of covered confinement; in lieu of all other benefits

Hospice Care

$100

per day of hospice care; 100-day lifetime maximum; not payable while hospital confined

Surgery Benefits

Plan Option 1 - 2.00 Units Policy Pays

Surgery

Outpatient
$2,000

maximum benefit; actual benefit is determined by the surgery schedule in the contract; for multiple procedures in same incision only the highest benefit is paid; for multiple procedures in separate incisions will pay highest benefit and then 50% for each lesser procedure

Inpatient
$3,000

Anesthesia

25%

of covered surgery benefit

Prosthesis

$1,000

maximum benefit; pays actual charges per device requiring implantation

Hair Prosthesis

$100

maximum benefit; pays actual charges for wig to cover hair loss from cancer treatment

Reconstructive Surgery

Breast Cancer - simple or total mastectomy

$240

for reconstructive surgery within 2 year of the initial cancer removal; excludes skin cancer and malignant melanoma; benefit not payable if paid under any other provision of the policy

Breast Cancer - radical mastectomy $340
Cancers of the male or female genitalia $340
Cancer of the head, neck, or oral cancer $500
Second Surgical Opinion $200

when surgery is prescribed; excludes skin cancer

Ambulatory Surgical Center

$300

maximum per day; pays actual charges for outpatient surgery at an ambulatory surgical center

Skin Cancer

One removal
$150
for removal of skin cancer (skin cancer does not include malignant melanoma or mycosis fungoides)

Per additional removal
$70

Radiation and Chemotherapy Benefits Plan Option 1 - 1.00 Units Policy Pays
Radiation and Chemotherapy $5,000 maximum benefit per 12-month period; pays actual charges
Associated Radiation &Chemo Expenses $250 maximum benefit per 12-month period; pays actual charges for treatment consultations and planning, adjunctive therapy, radiation management, chemotherapy administration, physical
exams, checkups, and laboratory or diagnostic tests; transportation and lodging are not included as associated expenses
Blood, Plasma, Blood Components, Bone Marrow and Stem Cell Transplant $5,000 maximum benefit per 12-month period; pays actual charges
Associated Blood & Plasma Expenses $250 maximum benefit per 12-month period; pays actual charges for administration of blood, plasma and blood components, transfusions, processing and procurement, or cross-matching, treatment consultations and planning, physical exams, checkups, and laboratory or diagnostic tests; transportation and lodging are not included as associated expenses
New or Experimental Treatment $5,000 maximum benefit per 12-month period; pays actual charges for drugs or chemical substances approved by the FDA for experimental use on humans or surgery or therapy endorsed by either the NCI or ACS for experimental studies received in the US or its territories
Wellness & Non-Medical Benefits Plan Option 1 - 2.00 Units Policy Pays
Annual Cancer Screening $100

per calendar year for cancer screening tests:

  1. mammogram
  2. pap smear
  3. flexible sigmoidoscopy
  4. prostate-specific antigen test
  5. chest x-ray
  6. hemocult stool specimen
  7. ultrasound
  8. CEA
  9. CA125
  10. biopsy
  11. thermography
  12. colonoscopy
  13. serum protein electrophoresis
  14. bone marrow testing
  15. blood screening
Magnetic Resonance Imaging (MRI) Scan $100

per calendar year for MRI scan used as diagnostic tool for breast cancer

Non-Local Transportation Included

round-trip charges or private vehicle allowance, up to 750 miles at $0.40 per mile, when required non-local hospital confinement is more than 50 miles from residence for a covered person and an adult immediate family member during confinement; payable once per confinement

Family Member Lodging $100

per day (maximum 50 days per 12 month period) for lodging expenses for an adult immediate family member when non-local hospital confinement is required

Outpatient Lodging $100

per day (maximum 50 days per 12 month period) for lodging expenses for a covered person to receive radiation or chemotherapy on an outpatient basis if not available locally

Physical Therapy & Speech Therapy $50

per treatment; limit one treatment per day

At-Home Nursing $100

per day, up to the number of days of the prior hospital stay when admitted within 14 days of hospital discharge

Waiver of Premium Included waives premium for total disability due to cancer after 60 consecutive days of total disability; total disability must begin prior to the covered person's 70th birthday
Cancer Maintenance Therapy Benefit Plan Option 1 - 2.00 Units Policy Pays
  • Cancer Suppressive Therapy
  • Hematological Drugs
  • Anti-Nausea Drugs
  • Motility Agents
$2,000 maximum benefit per 12-month period; pays actual charges
First Occurrence  Rider (Rider Form Series CROCC 100, 200 or 300) Plan Option 1 - 2.00 Units Policy Pays
Initial Diagnosis Benefit $2,000

pays a one-time, lump-sum benefit when a covered person is initially diagnosed with cancer (except skin cancer), based on a microscopic examination of fixed tissue or preparations from the hemic system. Clinical diagnosis is accepted under Icertain conditions.

Actual charges means the amount actually paid by or on behalf of the insured and accepted by the provider as payment in full for services provided.

Product
$20.78 per Month for Individual
$23.54 per Month for Individual + Children
$34.81 per Month for Family

Payment Authorization

You authorize Enrollment123 dba Administration123 to charge the debit card, credit card or ACH bank account as indicated in this authorization on behalf of the Insurance Companies and benefit providers, and their respective plans which you have selected through this enrollment website. Furthermore, you acknowledge and agree that future payments may be charged to the debit card, credit card or ACH bank account you have provided on a recurring monthly basis with your full authorization for the amount associated with the products and services selected above.

Recurring monthly premium payments are billed in advance of the next coverage period, 25 calendar days after your effective date each month. If the recurring payment date falls on a weekend or holiday, you understand that the payment may be executed on the prior or next business day. You understand that this authorization will remain in effect until you cancel it in writing via email or mailed letter. You agree to make any account changes on with your secure online portal or notify Enrollment123 dba Administration123 in writing of any changes in your account information.

You certify that you are an authorized user of this debit card, credit card or bank account and that you will not dispute the scheduled payments with your Credit Card Company or bank provided the transactions correspond to the terms indicated in this authorization form.

Cancellation Policy

You may cancel service at any time. All notices of cancellation must be submitted in writing only, via email or mailed letter. All cancellation notification must be made by the primary account holder. To avoid billing for unwanted services, all cancellation notices must be received no later than fifteen (15) calendar days prior to your next billing date. Upon receipt of your cancellation notice, coverage for the services/products listed will be terminated to the last day of the month of your coverage period. Cancellation notices received less than fifteen (15) days prior to the next billing date will result in cancellation of service postdated to the end of your next coverage period month.

Written notification may be sent via email to support@administration123.com

Refund Policy

You may only receive a refund, if applicable, provided you have submitted a written notice of cancellation.

You may request a refund (refund requests MUST be made in writing) ONLY if you are cancelling your coverage within the first ten (10) calendar days following your product or policy effective date. If you are cancelling coverage for a product or policy and requesting a refund within the first ten (10) days following your effective date service; you are entitled to a full refund of the monthly premium or fee. Administration fees or enrollment fees ARE NOT refundable. You are not eligible for any refund if any claims have been filed by the policy holder or his/her dependents during the initial ten (10) days following the effective date.

Billing Questions

Any questions regarding billing should be directed to support@administration123.com

Policy / Benefit Notification

You authorize Enrollment123 dba Administration123 to contact you via email and/or sms (text messaging) with regards to the policy(s) or benefit(s) which you have enrolled and updates regarding related products and services. You agree to provide Enrollment123 dba Administration123 with any updates/changes to your email address or phone number through the "Member Portal" or via email at support@administration123.com with these updates.

This authorization shall remain in effect until revoked by you in writing. You understand and agree that this authorization, an updated email address and phone number is required to receive important updates regarding your enrolled benefits and insurance coverage; and that revoking this authorization will result in missing important notification(s) that may adversely affect your coverage, including termination of benefits. Enrollment123 dba Administration123 shall not be held responsible or liable for any missed notifications due to incorrect contact mailing address, email address or phone number that results in a change to or loss of coverage or benefits.

Limitations and Exclusions

We provide benefits only for cancer as defined herein, which is positively diagnosed while coverage is in force. It does not provide benefits for any other illness or disease.

    • We may reduce or deny a claim or void coverage for loss incurred by a covered person:
      • During the first 2 years from the effective date of such coverage for any misstatements in the application which would have materially affected our acceptance of the risk;
      • At any time for fraudulent misstatements in the application.
    • We will only pay for loss as a direct result of cancer. Proof of positive diagnosis must be submitted to us for each new claim. We will not pay for any other disease or incapacity that has been caused, complicated, worsened or affected by, or as a result of cancer, except as specifically covered under the contract.
    • If a covered hospital confinement is due to more than one covered condition, benefits will be payable as though the confinement or expense were due to one condition. If a hospital confinement or expense is also due to a disease or condition that is not covered, benefits will be payable only for the part of the hospital confinement or expense due to the covered disease or condition.
    • Under no condition will we pay any benefits for losses or medical expenses incurred prior to the effective date.

Pre-Existing Condition Limitation - No benefits are provided during the first 12 months for pre-existing conditions for which the covered person has been diagnosed, treated, or for which the covered person has incurred expense or has taken medication within 12 months prior to the effective date of such person's policy. Pre-existing condition also includes a condition that manifests itself in a way that would cause an ordinarily prudent person to seek medical advice, diagnosis, care or treatment.

Total Disability means the inability to perform all of the material and substantial duties of the member's regular occupation. Total Disability will be considered to exist when under the regular care and attendance of a physician for the necessary treatment of cancer. After the first two years of Total Disability, the member will continue to be considered Totally Disabled if unable to engage in any employment or occupation for which he or she is or becomes qualified by reason of education, training, or experience. On or after age 65, Total Disability will mean that a physician has certified that the member is unable to perform two or more Activities of Daily Living (continence, transferring, dressing, toileting, eating and bathing) without direct personal assistance as a result of cancer.

12-Month Benefit Period - The initial 12-Month Benefit Period is the 12-month period beginning on the date of positive diagnosis. Subsequent 12-Month Benefit Periods begin on the same month and day as the immediately preceding

12-Month Benefit Period; however, if the covered person incurs no covered loss during the 3 months after the end of any 12-Month Benefit Period, the next 12-Month Benefit Period will begin on the next date a covered loss is incurred. Benefit Periods are determined separately for each covered person.

First Occurrence Rider

Benefits are not payable:

    • For cancer diagnosed prior to the Effective Date of this Rider;
    • For any other illness or disease other than internal Cancer;
    • For Skin Cancer or any Cancer excluded from coverage by name or specific description.

Termination of Insurance

Member insurance will terminate on the earliest of:

    • The date of the employee's death;
    • The date on which the employee ceases to be eligible for insurance;
    • The last date for which premium payment has been made to us;
    • The last date on which employment terminates;
    • The date the group master policy terminates; or
    • The date the employee sends us a written notice to cancel insurance.

Dependent insurance will terminate on the earliest of:

    • The date the employee's insurance terminates;
    • The last date for which premium payment has been made to us;
    • The date the dependent no longer meets the definition of dependent;
    • The date the group master policy is modified so as to exclude dependent insurance; or
    • The date the employee sends us a written notice to cancel dependent insurance.

We will have the right to terminate the insurance of any insured person who submits a fraudulent claim under the policy.

Portability Option

If a member loses eligibility for this insurance for any reason other than nonpayment of premiums, insurance can be continued by paying the premiums directly to us within 31 days after termination. We will bill the member directly once we receive notification to continue insurance.

 

Other Insurance with Us

An individual can only have one cancer policy or certificate with us. If a person already has cancer insurance with us, such person is not eligible to apply for this insurance.

Standard 1-5 business days $7.95
Two Day 2 business days $15
Next Day 1 business day $30
* Free on orders of $50 or more


All Products Guaranteed Issue. No Medical Questions. Everyone Accepted.

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