APC Personal Cancer Protector Plan

The American Cancer Society reports that cancer strikes three out of four families. The Health Alliance is making available to you a Cancer Expense Insurance Policy that not only provides payments if you are diagnosed with cancer, but also offers coverage for wellness screening.

Coverage Options
Coverage can be purchased for yourself, your spouse or domestic partner, and your children to age 25 (if full-time students). For definition of domestic partner, see Your Eligibility for Health Alliance Benefits.

Benefits provided by this insurance include:

• Series A-59300 - pays first occurrence of internal cancer diagnosis and treatment benefit of $5,000.
  “Internal Cancer” includes melanomas classified as Clark’s Level III or higher.

Additional benefits includes:

• Hospital confinement - $300 a day for the first 30 days, then $600 a day thereafter for inpatient.
• Radiation and chemotherapy – up to $300 a day for charges incurred for the modification or destruction of abnormal tissue.
• Experimental treatment – up to $300 a day for charges incurred for experimental cancer treatments for the modification or destruction of abnormal tissue.
• Anti-nausea benefit – up to $100 a month.
• Nursing services – up to $100 a day for full-time care by RNs, LPNs or LVNs.
• Surgical/Anesthesia benefit - $100 to $5,000 (depending on the type of surgery) when a cancer-related surgical operation is performed.
• Prosthesis benefit – up to $3,000 for charges incurred for surgically implanted prosthetic devices.
• Wellness benefit – up to $75 per calendar year/per person for charges incurred for any one of 12 cancer-screening tests, after 30 days of coverage is in force.

Other benefits payable under a payment schedule include:

• Outpatient blood and plasma (up to $250)
• Transportation ($.50 per mile up to $1,500)
• Bone marrow transplant (up to $10,000)
• Extended care facility ($100 day/365 day max.)
• Home health care ($50 per visit/30 visits a yr.)
• National Cancer Institute evaluation and consultation benefit ($500)
• Second surgical opinion (up to $250)
• Lodging for out of area ($60 per day)
• Stem cell transplant (up to $2,500)
• Ambulance (charges incurred within 100 miles)
• Hospice ($100/day for 60 days, then $50/day)
  

For information on annual and lifetime limits, contact Chuck Hais at Brecek & Young Advisors, Inc. at 513-721-2513. Full coverage (other than First Occurrence Benefit) is available even if you have had cancer in the past as long as you have been in remission at least five years.

Cost of Coverage
The cost of coverage varies depending on the plan you choose and who is covered. Specific premium amounts can be obtained from the insurance representative. Premiums are deducted on a pre-tax basis from every paycheck. However, if your policy includes coverage for a domestic partner, deductions are taken on an after-tax basis.

Enrollment Contact
Information and enrollment assistance with this benefit should be obtained through an insurance representative. Please call Chuck Hais at Brecek & Young Advisors, Inc. at 513-721-2513.