Human Resource Services

Cancer Insurance/Intensive Care

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. Both plans also offer an Intensive Care option.

Below is summary information about the plans. For complete plan details and for comparison purposes, please visit the the MyBenefits section of MyFlorida's web site.

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/day cancer treatment up to monthly maximum

$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 two levels. Assists with indirect expenses, such as deductibles, co-payments, lodging, and transportation expenses related to treatment/care.

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.

Hospital Intensive Care

Biweekly
Premium

See brochure or enrollment form

Pre-Tax

Yes

Deductible

None

Co-Payment

None

Coverages

$600 per day for days 1-7
$1000 per day for days 8-15

Comment

Pays for confinement in hospital intensive care, coronary intensive care, or neonatal intensive care units.
No lifetime maximum

How to enroll

Choose one of the following methods to enroll:

  • Enroll online via the People First (PF) web site.
  • Call PF at 1-866-663-4735 to enroll or make a change by phone.
  • Mail your form or fax it to PF at 904-828-6092.
  • Attend the UF Benefits’ Group Enrollment Session for assistance with completing your online enrollment with People First.

In addition to your People First enrollment, you must also submit a company application. Call the Capital Insurance Agency at 1-800-780-3100 for additional questions. Be sure to retain a record of your transactions.



Colonial Cancer

Cancer coverage only

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 with 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

 

How to Enroll

Choose one of the following methods to enroll:

  • Enroll online via the People First (PF) web site.
  • Call PF at 1-866-663-4735 to enroll or make a change by phone.
  • Mail your form or fax it to PF at 904-828-6092.
  • Attend the UF Benefits’ Group Enrollment Session for assistance with completing your online enrollment with People First.

In addition to your People First enrollment, you must also submit a company application and call a Colonial Representative at 352-335-5016 to complete the enrollment process. Be sure to retain a record of your transactions.