Cancer Insurance Plan

 

Why is having Cancer Insurance so important? Many people underestimate the financial impact of a critical illness such as Cancer.

Should you be diagnosed with cancer, you'll want to focus on getting the treatment you need without having to worry about lost income, extra medical costs or everyday living expenses. Payments will be made directly to you, not to the doctors, hospitals or other health care providers. You will receive a check mailed directly to your home.

The Cancer Insurance Plan can help safeguard your finances and provide you with money when you and your family need it most. Payment is yours to use as you see fit and in addition to any other insurance you may have.

Even the best of health plans can leave you with deductibles, copays and costs for out-of-network care. Since disability plans only cover a portion of income, there could be a significant gap between your income and your family's everyday living expenses such as the mortgage, rent, utilities, car payments, groceries and child care payments...just to name a few.

The Cancer Insurance Plan offers fast payment to bring you peace of mind. Get even more peace of mind with easy claims processing, which helps you to receive payment in a timely manner so you can quickly fill the gap between what your medical insurance covers and any out-of-pocket expenses.

 

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Benefit Payment

Full Benefit Cancer All forms of advanced cancers are covered and may qualify for full benefits (as defined by the group policy or certificate).

 

The Cancer Insurance Plan provides a payment for:

Full Benefit Cancer
All forms of advanced cancers are covered and may qualify for full benefits
(as defined by the group policy or certificate).

Partial Benefit Cancer
Most forms of early stage cancers are covered and may qualify for partial benefits
(as defined by the group policy or certificate).

Supplemental Health Screening Benefit6
The Cancer Insurance Plan also provides a supplemental health screening benefit. This coverage would be in addition to the Total Benefit Amount payable for the previously mentioned cancers. An annual benefit amount of $50 per calendar year will be paid for taking one of the eligible screening/prevention measures. See Certificate of Insurance for additional information pertaining to this feature

The maximum amount that you can receive through your Cancer Insurance Plan is called the Total Benefit and is two times the amount of your Initial Benefit. This means that you can receive multiple Initial Benefits and Recurrence Benefit payments until you reach the maximum of 200% or $30,000 or $60,000.

Please refer to the table below for the percentage benefit amount for a Covered Condition.

 

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Will my rates increase?

Your premium is based on your issue age, meaning your initial rate is based on your age at the time your coverage becomes effective and your rates will not increase due to age.7

 

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Click here to View the Cancer Insurance Plan Bi-Weekly Rates

 

How do I enroll?

Enrollment for coverage can be accomplished during one of our two bi-annual Open Enrollment periods.3 APWU members will receive a special mailing notifying them of the Open Enrollment periods.

Who is eligible to enroll?

As an Active APWU member working 20 or more hours per week for the last 90 consecutive days, along with your spouse/domestic partner and dependent children, you cannot be turned down for this coverage. No medical exam is required. No health questions asked. (Pre-existing conditions limitations may apply). APWU Health Plan members automatically receive a 5% premium reduction off this plan's rates. Coverage will become effective on the first day of the period your premium is received following the date the person's enrollment for is received by the Voluntary Benefits Plan.

Coverage is currently NOT available in the following states
MS, MT, NH, OR, SD, UT, WA

Coverage is also NOT available in
PR, GU, AS and Virgin Islands

 

How do I pay for coverage?

Coverage is paid through convenient payroll deduction. Associate members will be direct billed for their coverage.

 

Preexisting Condition Exclusion

Preexisting Condition means a sickness or injury for which, in the last 12 months before a Covered Person becomes insured under this Certificate, or before any Benefit Increase with respect to such Covered Person medical advice, treatment or care was sought by such Covered Person, or, recommended by, prescribed by or received from a physician or other Practitioner of the Healing Arts.

We will not pay benefits for Covered Conditions that are caused by or result from a Preexisting Condition if the Covered Condition occurs during the first 12 months that a Covered Person is insured under this Certificate.

 

How to access your Cancer Insurance Plan Certificate of Insurance

Your Certificate of Insurance will be available to you and your coverage will be effective once we have deducted your first premium payment from your paycheck or for direct billed members, the first day of the period your first premium is received following the date of approval.

Coverage is currently not available in the following states
MS, MT, NH, OR, SD, UT, WA

Coverage is also not available in
PR, GU, AS and Virgin Islands

 

Any Questions?

Call the following toll-free number 1-800-422-4492

 

Please Note

You must notify The Voluntary Benefits Plan of any address change for you, your dependents and/or beneficiaries, and any change in employment and union membership status change, life status change (i.e., marriage, divorce, beneficiary or name change), or benefit changes requested. Notice must be in writing.

Administered By:

Voluntary Benefits Plan

P.O. Box 12009
Cheshire, CT 06410

Phone: 1-800-422-4492
Fax: 1-203-754-7847

This plan is underwritten by Metropolitan Life Insurance Company, New York, New York. This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. 122705.

 

Notes:
1 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Please contact MetLife for more information.
2 Dependent Child coverage varies by state. Please contact MetLife for more Information.
3 Coverage is guaranteed provided (1)the employee is actively at work. (2)Dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the dependent to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.
Coverage is guaranteed provided (1) the member is performing all of the usual and customary duties at your job at the employers place of business or at an alternate place approved by your employer. (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.
4 Please review the Disclosure Statement or outline of coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the original benefit amount.
5 There is a Benefit Suspension Period between Recurrences. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit for a Full benefit Cancer, a Partial Benefit Cancer or an All Other Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer, Partial Benefit cancer or All Other Cancer.
6 The Health Screening Benefit is not available in all states. See your certificate for any applicable waiting periods. There is a separate mammogram benefit for MT residents and for cases sitused in MT and CA.
7 Please contact MetLife for additional information. The plan is guaranteed renewable, and may not be canceled due to an increase in your age or a change in your health. Premium rates can only be raised as the result of a rate change made on a class-wide basis. Benefits reduce by 25% at age 6 and 50% at age 70. Coverage is guaranteed renewable provided: (1) premiums are paid as required under the certificate; and (2) in a situation where the group policy ends, its not replaced by a substantially similar cancer policy as described in the Certificate.

The MetLife Cancer Insurance Plan is based on the MetLife Critical Illness (CII) policy. MetLife Cancer Insurance includes only the Covered Conditions of Full Benefit Cancer and Partial Benefit Cancer.

METLIFE'S CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and group health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. In most plans, there is a pre-existing exclusion condition. In most states, after a covered condition occurs there is a benefit suspension period during which benefits will not be paid for a recurrence. MetLife's CII is guaranteed renewable, and may be subject to benefit reductions that begin at age 65. Premium rates for MetLife's CII are based on age at the time of initial coverage effective date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents' coverage, if applicable, will be based on the covered person's age at the time of that increase's effective date. rates are subject to change for MetLife's CII on a class-wide basis. A more detailed description of the benefits, limitations and exclusions can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP14-CI or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In New York, availability of MetLife's Issue Age CII products is pending regulatory approval.

MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.

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