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Cancer Care Insurance Plan

By your side when you need Cancer Care most.

When you face the high cost of cancer, you can count on the AOA Cancer Care Insurance Plan to help you focus on your care.

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Cancer Care Insurance Plan

Let the AOA Cancer Care Insurance Plan help protect your hard-earned money from the unexpected cost of cancer.

Cancer Care Insurance Plan Tabbed Product Details

Overview

If you find yourself battling cancer, you may want help to cover the high cost of treatment and recovery. The AOA Cancer Care Insurance Plan, helps pay towards the cost of cancer – which may run into the thousands of dollars. Your current health insurance may not be enough to cover all of these costs.

That’s why this coverage offers benefits – up to a lifetime maximum of $300,000.00* – to AOA members who have been diagnosed with cancer. These benefits are paid directly to you or anyone you choose – not to doctors, hospitals or anyone else. Benefits from this plan could be used to pay for:

  • Hospital bills
  • Chemotherapy
  • Operations
  • Doctor visits
  • Nursing care
  • Prescription drugs
  • Mortgage
  • Car payment
  • And more…

Even if cancer runs in your family or if you suffer from other serious medical problems – you are guaranteed acceptance into this plan as long as you have not been diagnosed with cancer in the last 5 years (3 years in LA, 2 years in VT, 12 months in NC and TX, 6 months in ID, NH, NV, and UT), and remain an AOA member in good standing.

This coverage provides benefits to help you handle the expenses associated with cancer, allowing you to focus on your care. Apply for the AOA Cancer Care Insurance Plan today.

*Individual benefits are subject to lifetime maximums that vary per benefit.

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Benefits

We understand that in the case of a cancer diagnosis, receiving quality care is a top priority, and fighting cancer can be expensive. With the AOA Cancer Care Insurance Plan, you will receive benefits to help you cover the costs of treatment and recovery from cancer.

These benefits are paid regardless of your current medical insurance, and you are guaranteed acceptance as an AOA member in good standing who has not had cancer in the last 5 years (3 years in LA, 2 years in VT, 12 months in NC and TX, 6 months in ID, NH, NV and UT). When you're fighting for your life, the AOA Cancer Care Insurance Plan will be there in your corner.

If you receive a cancer diagnosis after you've been enrolled for 30 days, we'll pay the following benefits:

Hospital Room & Board: $60.00 per day for the first 10 days of each period of a covered hospital confinement. $120.00 per day thereafter, up to 90 days.

Extended Hospital Expenses: After 90 days of hospital confinement, the plan will pay $240 per day, up to day 730.

Outpatient Drugs & Medicine: AOA Members are paid $10.00 for any prescription refill, up to a $100.00 annual maximum and $1,000.00 lifetime maximum.

Attending Physician: $25.00 per day for doctors' visits (other than your surgeon) while hospitalized regardless of the number of physicians, up to the maximum of $1,000.00 per illness period.

Nursing Service: $25.00 per day for private care by a Registered Graduate Nurse or Licensed Practical Nurse while hospitalized. Maximum of $2,250.00 in benefits per illness period.

Ambulance: $100.00 benefit; with an illness period maximum of $1,000.

Radiation & Chemotherapy: $100.00 daily benefit (including x-ray, radium, and cobalt therapies) with a lifetime maximum of $2,000.

Blood & Plasma: AOA Members are paid $100.00 daily benefit; with a maximum of $500.00 for every illness period with a $1,000 lifetime maximum.

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Rates

Monthly Rates for AOA Members & Spouses:

Member's Age Member Only Member & Spouse
Under 50 $3.16 $5.05
50-64 $5.38 $8.62
65 & Over* $9.21 $14.72

 

Your Payment Options

You will be billed for premiums monthly. Rates will include a $3.00 administrative fee if paying by direct bill, a $2.00 administrative fee if paying by credit card, or a $1.00 administrative fee if paying by automatic checking withdrawal. Rates increase when you enter a higher age category as shown above. Rates and/or benefits may be changed on a Group basis.

Your Cancer Care coverage starts the first day of the month after your enrollment form and first premium payment are received. You cannot be singled out for cancellation, a benefit decrease, or an increase in your premiums due to a change in your health or occupation. Your benefits will continue in full force as long as you pay your premiums on time, remain an AOA member in good standing, and the Master Policy No. 9200/9201/9202, under policy series 17-50995, remains in force. Residents of AK, CO, MT and NV will be issued individual policy form series 17-51062.

*Not available for those age 65 and over in California.

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Frequently Asked Questions

Why is it so important to sign up for Cancer Care now?

Acceptance is guaranteed as long as you haven’t had cancer in the last 5 years (3 years in LA, 2 years in VT, 12 months in NC and TX, 6 months in ID, NH, NV and UT). Because cancer incidents become more likely with increasing age*, it is important to take action now.

How does this work with my current medical coverage?

The AOA Cancer Care Insurance Plan kicks in benefits – paid regardless of any other insurance you may have - to help you fight cancer. You collect cash benefits to help with unexpected costs such as hospital stays, operations, doctors, drugs and more.

What if I decide Cancer Care isn't right for me?

There’s no obligation with the program’s 30 Day Free-Look. As soon as you sign up, we’ll send you a certificate or policy of insurance. Look it over for a full 30 days. If you’re not completely satisfied, we’ll cancel your coverage and give you a complete 100% refund of any premium you’ve paid as long as you haven’t made any claims during that time.

*American Cancer Society. Cancer Facts & Figures 2017.

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Terms

Please Read Regarding Your Cancer Coverage

EXCLUSIONS:

Benefits will not be paid under this Policy or any attached Rider for any loss caused by, resulting from or contributed by: Injury or Sickness other than Cancer; treatment or services performed outside of the United States.

PRE-EXISTING CONDITION LIMITATION:

No benefits will be payable for the Covered Person's Pre-Existing Conditions. A Pre-Existing Condition is defined as any condition that was Positively Diagnosed or for which medical treatment, consultation, advice, care or services was sought within 5 Years (3 years in LA & MT; 2 years in IL, TN & VT; 12 months in CT, IN, MD, MO, MS, NC, ND, SC,TX & VA; 6 months in ID, ME, NH, NV, SD, UT & WY) prior to the Covered Person's Effective Date of Coverage.
For residents of CT, ID and UT: A Confinement resulting from a Pre-Existing Condition will not be covered for the first 12 consecutive months (CT & ID) or 6 months (UT) following a Covered Person's Effective Date of Coverage.
For residents of MD, ME, MO, ND, and SC: A Confinement resulting from a Pre-Existing Condition will not be covered until the earlier of:
(1) 12 consecutive months (MD, MO, ND & SC) or 6 consecutive months (ME) have elapsed during which no medical treatment or advice is given by a Physician for such condition; or
(2) the Covered Person has been insured under the Policy for 6 consecutive months (ME), 12 consecutive months (MD, SC) or 24 consecutive months (MO & ND), whichever occurs first.

The Company has a right to rescind or void a Covered Person's insurance coverage if the Company finds that the Covered Person had a Pre-existing Condition. Any premiums paid for that Covered Person will be refunded.

This information is a brief description of important features of the plan. It is not a contract. Terms and conditions of coverage are set forth in Group Policy Number 9200/9201/9202, under policy series 17-50995. Residents of AK, CO, MT and NV will be issued individual policy form series 17-51062. Additional information is contained in the Certificate of Insurance which is issued to all persons who become insured under the plan. As determined by state insurance regulations, this plan or some benefits of this plan may not be available in all states. Availability of this offer may change.

Eligibility Pre-Existing Conditions Limitations:

Members and Dependents who have been medically treated for or advised of Cancer within 5 years (3 years in LA; 2 years in VT; 1 year in NC & TX; 6 months in ID, NH, NV & UT) prior to the Effective Date of Coverage are not eligible for this Cancer insurance.

Benefit Waiting Period:

Benefits are not payable for Cancer diagnosed and treated within the first 30 days the Covered Person has been insured. However, benefits for treatment or services related to such Cancer are payable after coverage has been in force for 12 consecutive months (6 months in ME, NH, UT, & VT) from the Effective Date. In ID and CT, no benefits are payable if you are diagnosed and treated for Cancer within the first 30 days; in CT if you are diagnosed and treated for Cancer within the first 30 days your premiums paid will be refunded and your coverage will be canceled. In MO, the benefit waiting period does not apply to the hospital stay due to Cancer.
THIS IS A CANCER ONLY POLICY

Endorsed by:

 

Offered by:
Association Group Insurance Administrators

Underwritten by:
Securian Life Insurance Company,
St. Paul, MN 55101

Administered by:
A.G.I.A., Inc.
P.O. Box 26860, Phoenix, AZ 85068-6860
Questions? Call toll-free 1-866-331-0180

 

IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS POLICY OR CERTIFICATE DUPLICATES SOME MEDICARE BENEFITS

This is not a Medicare Supplement Insurance Policy

This insurance pays a fixed amount, regardless of your expenses, if you meet the policy conditions, for one of the specific diseases or health conditions named in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for a Medicare Supplement insurance policy.

This insurance duplicates Medicare benefits because Medicare generally pays for most of the expenses for the diagnosis and treatment of the specific condition or diagnoses named in the policy.

Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:

  • Hospitalization
  • Physician services
  • Hospice
  • Outpatient prescription drugs if you are enrolled in Medicare Part D
  • Other approved items and services

Before You Buy This Insurance

  • Check the coverage in all health insurance policies you already have.
  • For more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
  • For help in understanding your insurance, contact your state insurance department or state health insurance assistance program (SHIP).        

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