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Cancer Insurance

Cancer Insurance

It is estimated that more than 1.6 million new cancer cases will be diagnosed in 2015.1 And, despite having medical coverage, people may not be adequately prepared for the unexpected expenses that follow.

Group voluntary cancer insurance is a simple way to provide employees added protection to meet their individual needs, without increasing benefits costs. It can complement existing medical coverage and help narrow gaps caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical services.

  • Benefits are paid regardless of what is covered by medical insurance
  • Lump sum benefits are paid directly to the covered employee to spend as they choose

The Right Solutions

MetLife Cancer Insurance plan designs are comprehensive and are based on market trends and industry benchmarks to provide more value to employees.

Coverage overview:2

  • 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.
  • Additional Benefits—A health screening benefit is also available as a part of the MetLife Cancer plan.3

Key features:

  • Guaranteed issue coverage4
  • Industry leading 3/6 pre-existing condition limitation
  • Recurrence benefit5
  • No waiting periods or age limitations on coverage for employee or spouse/domestic partner6
  • Continuation of coverage

Please see the group certificate for specific information regarding covered benefits.

Please review the exclusions and limitations for the state of Arizona

1 American Cancer Society, Cancer Facts and Figures 2015.

2 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 Initial Benefit Amount.

3 In most states there is a 30 day waiting period for the Health Screening Benefit. The Health Screening Benefit is not available in certain states. In some states, there is a separate mammogram benefit. Please review your Disclosure Statement or Outline of Coverage/Disclosure Document for specific state variations and exclusions around this benefit.

4 Coverage is guaranteed provided (a) the employee is actively at work and (b) 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.

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 either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period. A Recurrence Benefit is available for Full benefit cancer; or additional payments for Partial Benefit Cancer.

6 Children are covered to age 26. There are benefit reductions that begin at age 65.

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

METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There is a preexisting condition exclusion. There is a Benefit Suspension Period between Recurrences. MetLife's Issue Age CII product is guaranteed renewable, but is subject to benefit reductions that begin at age 65. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife's Issue Age CII product 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.

ADF# CA743.15

 

 

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