Humana Critical Illness/Cancer

Transcription

1 Humn Criticl Illness/Cncer Criticl illness/cncer voluntry coverges py benefits however you wnt With our criticl illness nd cncer plns, you'll receive benefit fter serious illness or condition such s hert ttck, stroke, coronry rtery disese, or cncer is dignosed. During your recovery, you nd your loved ones cn rest little esier knowing you won't hve to deplete your bnk ccounts or tke on dditionl debt to cover dy-to-dy living expenses. Why do I need criticl illness nd cncer coverges? These plns cn ssist you with vriety of expenses so you cn focus on getting better. You cn spend the benefits however you wnt, on direct or indirect costs ssocited with the illness: Mke your mortgge pyments Hire extr help for round the house, such s in-home cregivers Help cover medicl bills s well s therpy nd trining Py for trvel to tretment fcilities wy from home nd for fmily visits U.S. men hve slightly less thn 1 in 2 risk of developing cncer; for women, the risk is little more thn 1 in 3. - Americn Cncer Society In ddition to the physicl nd emotionl effects, people who re dignosed with serious condition my see costly impct on their expenses. You my need dditionl help to bsorb the expense of pying for drugs nd other direct nd indirect costs ssocited with these diseses. Here's howit works All benefit pyments re mde directly to you in most cses, plcing you in control t time when you my feel tht your options re limited. Some or ll of the benefit is vilble to you fter your initil dignosis, so it's there when you need it most. You'll sve on your premiums becuse coverge through your employer typiclly is less expensive thn purchsing on your own. And you cn py premiums through utomtic pyroll deduction. You cn continue the coverge even if you chnge employers. Act now You've probbly tken some steps to protect your ssets nd future finncil stbility with helth pln, life insurnce, svings, etc. Tke n dditionl step to round out your coverge nd help you nd your loved ones in the event of n unexpected criticl illness or cncer.

2 Humn Criticl Illness nd Cncer Texs Lmr Cisd Consider coverge tht helps protect you, your fmily, nd your ssets in the event of criticl illness. It offers specilized benefits to supplement other helth insurnce when you nd your fmily my be most vulnerble: during the working yers. Benefit pyments cn ssist in covering vriety of expenses ssocited with criticl illness: out-of-pocket medicl cre costs, home helthcre, trvel to nd from tretment fcilities, rehbilittion, nd other expenses. Coverge type Benefit mount Voluntry Criticl Illness insurnce is group policy form tht includes coverge for hert/stroke, cncer, nd other criticl illnesses. Benefit mounts re vilble t vrious levels. You cn choose: $5,000 to $50,000 for employees You cn lso dd coverge for your dependents: Spouse: $2,500 to $25,000. Spouse coverge benefit is equl to exctly hlf of the employee's coverge Child: $2,500 to $5,000 for ech eligible child Coverge for vsculr conditions Coverge for cncer conditions 30 dy witing period Percent of benefit mount pid t initil dignosis: Hert ttck 100% Trnsplnt s result of hert filure 100% Stroke 100% Coronry rtery bypss surgery s result of coronry rtery disese 25% Percent of benefit mount pid t initil dignosis: First dignosis of internl cncer or 100% mlignnt melnom Crcinom in situ 25% This is not complete disclosure of pln qulifictions nd limittions. Plese ccess our website to obtin completed list for the Workplce Voluntry Benefit products t Disclosure.Humn.com. Plese reviewthis informtion before pplying for coverge. The mount of benefits provided depends on the pln selected. Premiums will vry ccording to the selection mde. Underwritten by Knwh Insurnce Compny, Humn compny HumnVoluntryBenefits.com

3 Humn Criticl Illness nd Cncer Texs Lmr Cisd Coverge for other criticl illnesses Additionl included benefits Portbility Percent of benefit mount pid t initil dignosis: Trnsplnt, other thn hert 100% End-stge renl filure 100% Loss of sight, speech, or hering 100% Com 100% Severe burns 100% Permnent prlysis due to n ccident 100% Occuptionl HIV 100% Wiver of premium for disbility: This wives n employee's premium if he or she becomes totlly disbled for t lest 180 dys fter the effective dte of coverge. For employees ges Benefit recurrence: This provides n dditionl benefit for the sme condition if covered prticipnt is tretment-free for t lest 12 months. Helth screening: Benefit pys per clendr yer for covered helth screenings. There re 18 covered tests including mmmogrms, colonoscopies, nd stress tests. Indemnity bsed nd pyble once per clendr yer per insured Employer selects this optionl benefit nd the benefit mount; Employee my decline the benefit if he/ she chooses Coverge is sme for ll insureds on the certificte $100 Portble fter six months of continuous coverge if group mster policy remins in force nd the insured is less thn ge 70. Prticipnts my continue coverge by pying premiums on direct billing method. All ported certifictes will be subject to ny rte increses on the Employer's Mster Policy. This is not complete disclosure of pln qulifictions nd limittions. Plese ccess our website to obtin completed list for the Workplce Voluntry Benefit products t Disclosure.Humn.com. Plese reviewthis informtion before pplying for coverge. The mount of benefits provided depends on the pln selected. Premiums will vry ccording to the selection mde. Underwritten by Knwh Insurnce Compny, Humn compny HumnVoluntryBenefits.com

4 Humn Criticl Illness nd Cncer rtes Lmr Cisd Texs Employee rtes Displying monthly pyroll deductions bsed on monthly premium clcultion including Benefit Recurrence nd $100 Helth Screening Employee NTUEmployee TU BENEFIT: $5,000 $10,000 $15,000 $5,000 $10,000 $15, $6.68 $9.23 $11.78 $8.03 $11.93 $ $9.03 $13.93 $18.83 $12.28 $20.43 $ $12.23 $20.33 $28.43 $18.28 $32.43 $ $17.03 $29.93 $42.83 $27.18 $50.23 $ $17.03 $29.93 $42.83 $27.18 $50.23 $ $20.43 $36.73 $53.03 $33.63 $63.13 $ $21.88 $39.63 $57.38 $34.43 $64.73 $95.03 Spouse rtes Monthly premiums with monthly deductions including Benefit Recurrence nd $100 Helth Screening Spouse NTUSpouse TU BENEFIT: $2,500 $5,000 $7,500 $2,500 $5,000 $7, $3.40 $4.80 $6.20 $4.16 $6.30 $ $4.68 $7.35 $10.03 $6.48 $10.95 $ $6.45 $10.90 $15.35 $9.78 $17.55 $ $9.08 $16.15 $23.23 $14.66 $27.30 $ $9.08 $16.15 $23.23 $14.66 $27.30 $ $10.98 $19.95 $28.93 $18.23 $34.45 $ $11.78 $21.55 $31.33 $18.68 $35.35 $52.03 NTU: Non-tobcco user; TU; Tobcco user Children rtes Displying monthly pyroll deductions bsed on monthly premium clcultion including Benefit Recurrence nd $100 Helth Screening Children BENEFIT: $2,500 $5, $2.33 $ HumnVoluntryBenefits.com Underwritten by Knwh Insurnce Compny, Humn compny.

5 Humn Criticl Illness nd Cncer rtes Lmr Cisd Texs Employee rtes Displying monthly pyroll deductions bsed on monthly premium clcultion including Benefit Recurrence nd $100 Helth Screening Employee NTUEmployee TU BENEFIT: $20,000 $20, $14.33 $ $23.73 $ $36.53 $ $55.73 $ $55.73 $ $69.33 $ $75.13 $ Spouse rtes Monthly premiums with monthly deductions including Benefit Recurrence nd $100 Helth Screening Spouse NTUSpouse TU BENEFIT: $10,000 $10, $7.60 $ $12.70 $ $19.80 $ $30.30 $ $30.30 $ $37.90 $ $41.10 $68.70 NTU: Non-tobcco user; TU; Tobcco user Children rtes Displying monthly pyroll deductions bsed on monthly premium clcultion including Benefit Recurrence nd $100 Helth Screening Children BENEFIT: $5, $ HumnVoluntryBenefits.com Underwritten by Knwh Insurnce Compny, Humn compny.