Human Resource Services

Cancer Insurance

Two plans are available: One from AFLAC and the other from Colonial Life & Accident.  An individual must be cancer-free to enroll, and the amount of coverage varies with the plan selected. Both plans have a first-occurrence benefit, a lump-sum payment made directly to the insured at the time cancer is diagnosed. These plans also help pay the cost of transportation and family lodging--two major expenses not covered by primary health insurance.

American Family Life Assurance Company (AFLAC)

Biweekly
Premium

Level 1 & Level 3
Based on coverage level; see brochure or enrollment form.

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

$1,500-7,500 first occurrence benefit (based on level and member coverage)

$200-300/day of hospital confinement; increases to $400-600/day on the 31st consecutive day of confinement

$200-300 cancer treatment

$40-75 per calendar year for cancer screening wellness benefit

Comments

Benefits vary according to the level of insurance protection selected. In addition, there is some variation in types of treatment among the three levels. Assists with indirect expenses, which can exceed 66 percent of total costs.

Rider: Dread Disease

Biweekly Premium

See brochure

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

$200/day for hospitalization for treatment of one of the listed dread diseases. Increases to $500/day on the 31st consecutive day of confinement.

Comments

Lifetime maximum is $100,000 per insured. This is purchased only as a rider to the AFLAC cancer policy.

Rider: Building Benefit

Biweekly
Premium

Level 1 and Level 3:See brochure

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

Adds $100-500 each anniversary year to the first occurrence benefits if cancer free, depending on the number of units purchased.

Comments

This is purchased only as a rider to the AFLAC cancer policy.



Colonial Cancer

Biweekly
Premium

See brochure or enrollment form

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

$1,000 first occurrence benefit for employee; $500 first occurrence benefit for dependent

$180/day for first 10 days of hospital confinement and $220 for the next 60 continuous days. Pays total amount charged for room and board beginning on the 71st continuous day.

Up to $130/day for private duty nursing while in a hospital.

Up to $30/day for attending physician other than your surgeon.

Up to $5,000/yr for radiation & chemotherapy.

Comments

First occurrence benefits are treated as taxable income by IRS.

Few lifetime limits

Cancer Intensive Care

Biweekly
Premium

See brochure or enrollment form

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

$350/day or $700/day for each day of confinement to a hospital intensive care unit for up to 45 days for each confinement. Benefit is determined based on cause of confinement.

Comments