Cancer Insurance - Guardian

  • If cancer has touched someone in your family, this plan can help ease the impact on your finances.  Benefit payments are made directly to you for the use of paying for expenses like copays, hospital stays, and car payments.

    Highlights include:

    • Convenient payroll deductions
    • If currently on the group cancer plan for twelve (12) months or longer, you will not be subject to pre-existing condition limitations.
      • If you are not currently on the cancer plan or have not met the twelve (12) months, you can still receive the guarantee issue but you will not have the pre-existing condition limitations for the first twelve(12) months of the policy only. 
    • The plan is portable.
    • Waiver of premium: if you become disabled due to cancer for 90 days, premiums will be waived thereinafter so long as you continue to be unable to work.

Advantage Plan:

  • Advantage Plan Features:

    • Radiation/Chemotherapy treatments are actual cost covered up to $100 per day
    • Experimental treatments are covered at $100 per day
    • Hospital confinement is covered at $100 per day, first 30 days
    • Ambulance benefits are covered at $500 per trip, with a limit of two(2) trips per hospital confinement
    • Hospice is covered at $100

    Advantage Plan Monthly Premiums:

    Coverage Tier Premium
    Employee Only  $12.90
    Employee+Spouse $20.30
    Employee+Child(ren) $15.20
    Employee+Family $22.60

Premier Plan Features:

  • Premium Plan Feature:

    • Radiation/Chemotherapy treatments are actual cost covered up to $400 per day
    • Experimental treatments are covered at $300 per day
    • Hospital intensive care: $400/day for first 30 days, $600/day for 31+ days
    • Hospital confinement is covered at $200 per day for first 30 days
    • Ambulance benefits are covered at $500 per trip, with a limit of two(2) trips per hospital confinement
    • Hospice is covered at $100 per day
    • Premier includes an Intensive Care Unit (ICU) rider that will pay $500 daily for up to 45 days if you are confined to the ICU for another reason other than cancer.

     Premium Plan Monthly Rates:

    Coverage Tier Premium
    Employee Only  $24.36
    Employee+Spouse $39.10
    Employee+Child(ren) $27.54
    Employee+Family $42.28

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