Cancer and specified diseases

Supplemental coverage for major diseases

  • You can purchase group coverage to supplement your other medical coverage and help with out-of-pocket costs while being treated for cancer or one of many other specified diseases.
  • This plan pays benefits directly to you for covered expenses resulting from the diagnosis and treatment of cancer and other specified diseases.
  • It pays a percentage of covered expenses up to a maximum dollar limit whether you have other insurance or not.
  • Some options include a wellness benefit for annual cancer screening, medications, surgeries and related hospital stays.
  • This plan also covers non-medical expenses, including travel, wigs and prosthetics.
  • Aflac Group administers the plan.
  • No evidence of insurability is required.

 

For a list of plan features, see your Cancer Low or High plan certificate.

Covered specified diseases
Addison’s Disease Muscular Dystrophy
Amyotrophic Lateral Sclerosis Myasthenia Gravis
Cerebral Palsy Necrotizing Fasciitis
Cystic Fibrosis Osteomyelitis
Diphtheria Poliomyelitis
Encephalitis Rabies
Huntington's Chorea Scleroderma
Legionnaire's Disease Sickle Cell Anemia
Malaria Systemic Lupus 
Meningitis (bacterial) Tetanus
Multiple Sclerosis Tuberculosis

For a complete listing of covered specified diseases, see the plan certificates. 

Who can enroll

You must be under age 70 and not currently diagnosed with cancer or one of the specified diseases. You cannot have been treated for internal cancer or a specified disease in the last five years and have never tested HIV-positive.

This coverage requires no evidence of insurability (EOI) for either option.

Four coverage levels

Choose between low or high coverage levels, then decide if you want to include an intensive care option. Compare details below.

With the intensive care unit rider, you receive $600 per day for every day that you or any covered person is confined in a hospital intensive care unit (ICU). This benefit is limited to 30 days per period of confinement.

 

You can purchase coverage for:

  • Employee only
  • Employee + spouse
  • Employee + child
  • Employee + family
Pre-existing conditions

New or increased disability coverage is subject to a 3/12 pre-existing condition exclusion. If you have a condition that was treated or medically advised in the three months before your coverage effective date, you are not covered for that condition for the first 12 months.

Actively-at-work provision

If you’re not actively at work when coverage is scheduled to become effective, your coverage doesn't take effect until you complete your first day at work. Paid leave and paid vacation are not considered being actively at work.

Taking coverage with you

If you leave the district, your disability plan is convertible, unless you’re a retiree. Other exclusions may apply. For more information about conversion, click here.

Claiming benefits

If you or a covered member of your family requires a cancer screening procedure or is diagnosed with cancer or any of the specified diseases covered by your plan, send in a claim form within 60 days, or as soon as reasonably possible.

Benefits are paid to you immediately after the claim has been received and validated. All of the benefits due are paid to you unless you assign them elsewhere.

For details, including pre-existing conditions, read your Cancer and Specified Disease Policy certificate, available here.

Helpful resources

For more information, contact Aflac Group at 800-433-3036 between 7 a.m. and 4 p.m. weekdays, excluding holidays.

Rates per pay period
Low Option
Employee only $5.18
Employee + spouse $8.64
Employee + child(ren) $6.63
Employee + family $8.64
Low Option + ICU Rider
Employee only $8.18
Employee + spouse $14.81
Employee + child(ren) $12.82
Employee + family $14.81
High Option
Employee only $9.42
Employee + spouse $17.10
Employee + child(ren) $12.48
Employee + family $17.10
High Option + ICU Rider
Employee only $12.42
Employee + spouse $23.28
Employee + child(ren) $18.66
Employee + family $23.28
Benefit Levels
Low option
Benefit level $1,500
Wellness screening $50
High option
Benefit level $5,000
Wellness screening $100
Plan Features
First occurence
Low option $1,500
High option $5,000
Wellness benefit
Low option $50/year
High option $100/year
Hospital confinement
First 30 continuous days
Low option $200/year
High option $300/year
$200/year $400/year
Low option $600/year
Surgery – inpatient or outpatient
Low option $95 to $3,000
High option $100 to $5,000
Anesthesia
Low/high option 25% of surgical benefit
Second surgical opinion
Low option $200
High option $250
Radiation/chemotherapy*
Low option Up to $200/day
High option Up to $300/day
Anti-nausea medication
Low/high option Up to $100/month
Experimental treatment
Low option Up to $200/day
High option Up to $300/day
Blood, plasma and components
Inpatient
Low option Up to $50/day
High option Up to $100/day
Outpatient
Low option Up to $200/day
High option Up to $250/day
National Cancer Institute evaluation/consultation
Low/high option $500
Skin cancer
Biopsy
Low/high option $100
Excision of lesion of skin without flap or graft
Low/high option $250
Excision of lesion of skin with flap or graft
Low/high option $600
Nursing services – in hospital
Low option $50
High option $60
Transportation
Automobile
Low option $.40 per mile (up to $1,200 per round trip)
High option $.50 per mile (up to $1,200 per round trip)
Commercial travel*
Low option $1,200
High option $1,500
Bone marrow transplant
Maximum in-hospital
Low/high option $10,000
Maximum outpatient
Low/high option $5,000
Bone marrow donor
Low/high option $1,000
Stem cell transplant*
Low/high option Incurred charges up to $2,500
Ambulance*
Low/high option Incurred charges
Prosthesis/artificial limb*
Surgically implanted
Low option $2,500
High option $3,000
Non-surgical
Low/high option $200
Extended care facility*
Low/high option $100/day
Home health care
Low/high option Up to $50/day, 30 visits/year
Hospice care
First 60 continuous days
Low/high option $100/day
61st day and thereafter
Low/high option $50/day
Lifetime maximum per insured
Low/high option $12,000
Waiver of premium*
Will waive premiums after 90 days of continuous disability due to cancer or covered specified disease
Specified diseases benefit*
All of the above benefits that are available for the treatment of cancer are also available for the treatment of covered specified diseases.
Optional ICU rider
Low/high option $600/day, up to 30 days

For any benefits question or concern, one call does it all.
Call us at 877-780-HISD (4473)

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