Cancer Coverage


Carrier Name:

USAble Life

Line of Coverage:

CancerCare Elite

Key Selling Features:

  • Flexible policy features to individualize the coverage
  • Several riders available
  • Guaranteed renewable
  • Pays the insured directly, regardless of other coverage

Basic Product Overview:

CancerCare Elite provides supplemental coverage when certain losses occur as a result of cancer or a listed specified disease. CancerCare Elite pays directly to the insured, regardless of other coverage. Coverage is available to employees and their families, with a choice of Plan I, Plan II, or Plan III.

Eligibility

Ages 18 to 64.

Guaranteed Renewable

Guaranteed renewable for your lifetime.

Inpatient Benefits

Plan I $100 daily - first 60 days; $200 each subsequent day.
Plan II $250 daily - first 60 days; $500 each subsequent day.
Plan III $300 daily - first 60 days; $600 each subsequent day.

Inpatient or Outpatient Radiation, Chemotherapy, and Blood and Plasma

Plan I $5,000 maximum per calendar year.
Plan II $10,000 maximum per calendar year.
Plan III $15,000 maximum per calendar year.

Inpatient or Outpatient Surgery & Anesthesia

Plan I $1,000 maximum per operation.
Plan II $2,000 maximum per operation.
Plan III $4,000 maximum per operation.

Anesthesia pays 30% of the amount payable under the surgical benefit.

Other Benefits

Important: Amounts payable and durations vary by benefit and are stated in the policy.

At home recovery benefit
Specified disease benefit
Waiver of premium benefit
In-hospital physician visits
In-hospital private duty nursing
Home health care services
Prosthesis
Ambulance
Family lodging and transportation
Patient transportation (common carrier or personal auto)
Diagnostic tests that lead to positive diagnosis of cancer
Annual physical after receiving a positive diagnosis of cancer
Second surgical opinion
National Cancer Institute Consultation
New or experimental cancer treatment
Extended care facility
Hospice care
Government or charity hospital
Inpatient drugs and medicines
Medical supplies and equipment
Child’s private tutoring
Alopecia
Physical, speech, hearing, and occupational therapy
Bone marrow transplant
Stem Cell transplant

Wellness Benefit – pays up to $75 per calendar year for the following screening tests:
Mammography
Thermography
Colonoscopy
Hemocult Stool Analysis
PSA (blood test for prostate cancer)
CA125 (blood test for ovarian cancer)
CEA (blood test for colon cancer)
Pap Smear
Flexible Sigmoidoscopy
Chest X-Ray
Any diagnostic procedure which can lead to the positive diagnosis of cancer.

Elective Benefits

Cancer Diagnosis

Pays on first diagnosis of internal cancer. Options available are: $1,000, $2,000, $3,000, $4,000 and $5,000. Insured family members qualify for 100% of the benefit.

Hospital Intensive Care

Pays daily benefit when injuries or accident results in confinement in a Coronary Care or Intensive Care Unit. Daily benefit options available are: $200, $400 and $600.

Cancer Disability

Pays monthly income elected up to one year if disabled as result of internal cancer. Family coverage may also selected if the spouse actively works at least 20 hours per week. Children are not eligible. Rider terminates at insured's age 65. Monthly benefit options are: $250 and $500.

Advantages and Strengths of Implementing this Product with our company over our competitors: USAble Life brings extensive knowledge on the products that serve the worksite market. We offer highly competitive products and rates with personalized one-on-one enrollments. Our web site is user friendly. We recently introduced a new incentive, called LifeLine, which allows employers to track claims through our web site.

DISCLAIMER: This is a brief description of the products offered by USAble Life. These descriptions are for informational purposes only. Products and provisions described may not be available in all states. Specific provisions may vary by state. The policy contains a complete description of benefits, provisions, limitations and exclusions. In the event of a conflict between this description and the policy, the policy will prevail.