Help cover expenses from diagnosis through recovery
Hopefully, you and your family will never face cancer. But if you do, Colonial Life is here to help. Our cancer insurance helps provide a financial safety net that can assist with covering cancer-related expenses that medical insurance doesn’t cover, so you can focus on what matters most: recovery.
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Cancer insurance helps you live well while getting well
Most of us don't expect to face a serious illness like cancer. Some look to family history to determine risk, but that often doesn't tell the whole story.
Fortunately, more people are surviving cancer thanks to early detection and more aggressive treatments. If you're diagnosed with cancer, you may find that your medical insurance doesn't cover everything. In addition to your day-to-day bills, you could incur costs for treatment and recovery, such as:
- Deductibles and co-pays
- Out-of-network treatment
- Travel, lodging and meals during treatment
- Child care
- Home health services
The need to scale back on work or take a leave of absence during treatment and recovery only adds to the stress. That's where supplemental cancer insurance helps. It assists with protecting you from financial hardship in the face of mounting cancer expenses.
If cancer affects your life, you should be able to focus on finding the best treatment and getting better – not on how you'll pay your bills.
Colonial Life cancer insurance offers benefits to assist with out-of-pocket costs that may not be covered by your medical insurance, including expenses related to inpatient or outpatient treatment, surgery, travel and recovery care.
Equally important, some plans also cover an annual cancer screening test to promote prevention and early diagnosis. Optional riders may be available to provide even more financial protection during the initial diagnosis period and hospital stays.
With Colonial Life cancer insurance policies:
- Coverage options are available for you, your spouse and your eligible dependents.
- Benefits are payable directly to you, unless you specify otherwise.
- Benefits are payable regardless of any insurance you have with other companies.
- Some policies can be taken with you even if you change jobs.
Plans vary, so talk with your Colonial Life benefits counselor to learn more about how cancer insurance can help provide financial protection for you and your family.
An example of how cancer insurance can help
Paul and Kim were preparing for their second child when they learned Paul had cancer. Here’s how cancer insurance helped cover their out-of-pocket expenses without sacrificing the nest egg they had saved up for their family.
Doctor's screening
Paul's medical insurance wouldn't cover everything, but his cancer insurance helped. His wellness benefit assisted with paying for the screening that discovered his cancer.
Travel costs for second opinion
Kim and Paul used their cancer insurance to help cover lodging and transportation when they traveled to a top cancer hospital for a second opinion.
Surgery
The couple's benefits also helped offset out-of-pocket deductibles and co-pays related to Paul's surgery, hospital stay and recovery.
The examples above are for illustrative purposes only. Benefits may vary. The certificate and policy have exclusions and limitations. For complete details, see your benefits counselor.
Commonly asked questions about cancer insurance
Our cancer insurance offers more than 20 benefits that can help pay for costs that may not be covered by your medical insurance. Some of these include:
- Radiation/chemotherapy
- Surgical procedures
- Hospital confinement
- Transportation and lodging
If you’re diagnosed with cancer, you can file a claim with Colonial Life and begin the process of receiving benefits for your treatment and recovery. If you have an initial diagnosis rider, you may be able to receive additional lump-sum benefits during the diagnosis phase.
To view a copy of your policy, update your contact information and manage your Colonial Life insurance, log in to your account. If you don’t have an account, register here.
To start the claims process or see the status of a claim you have already filed, log in to your account. Filing a claim online and setting up direct deposit is the fastest way to receive benefits. Paper claims are also available. For more information on filing a claim, see our cancer claim page.
You may be able to keep your coverage depending on the policy you have. If you are able to take your policy with you, you will receive a Continuation of Coverage letter with instructions on next steps when your current employment ends. You will need to change your payment method to direct bill, which means you pay Colonial Life directly instead of paying through payroll deduction. To learn more and begin this process, download the Conversion Request Form.
Find out more about offering Colonial Life individual or group cancer insurance for your employees.
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THIS INSURANCE PROVIDES LIMITED BENEFITS.
Cancer Assist (Individual Cancer): Applicable policy form CanAssist.
Group Cancer 1000: Applicable policy form GCAN-MP.
This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this coverage.
This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. For cost and complete details of coverage, call or write your benefits counselor or the company.
Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.
