Coverage For You And Your Family
As an IEEE member, you and your spouse are eligible for this insurance regardless of your age provided you have not been medically treated for, or advised of cancer (except skin cancer) within five years prior to the effective date of coverage. Your children are also eligible provided they meet the health requirements and are under age 19 (under 25 if enrolled as full-time students, under 26 in Utah). (This Plan is not available in all states. Please contact the Administrator for more information.)
First Occurrence Is Covered
Benefits begin on the first day cancer is positively diagnosed, provided your policy has been in force for 30 days prior to diagnosis except in: AZ, MO, NH, TX, UT, VT, and WY. You'll receive $1,000 upon the first occurrence under the Standard Plan ($1,500 under the High Option Plan) to help you pay for initial expenses. (First occurrence benefit does not pertain to skin cancer and will be paid only once during your lifetime.)
Daily Benefits
You will receive $100 per day for the 1st through 60th day of a covered hospitalization under the Standard Plan ($150 per day under the High Option Plan).
Extended Daily Benefits
Beginning on the 61st day of hospitalization, your daily benefit increases to $250 per day under the Standard Plan ($375 per day under the High Option Plan).
Outpatient Care
As an outpatient receiving therapy and treatment for cancer, you'll be paid $100 per day for each day you receive outpatient treatment or to help you meet ongoing costs under the Standard Plan ($150 per day under the High Option Plan).
Hospice Care
If your life expectancy is less than six months following a hospital confinement of at least 3 consecutive days, you'll receive $100 per day for a maximum of 180 days under the Standard Plan, to help meet the special needs of you and your family ($150 per day under the High Option Plan).
Intensive Care
When confinement to an Intensive Care Unit is caused by cancer, you'll receive $100 per day for a maximum of 15 days under the Standard Plan ($150 per day under the High Option Plan).
Economical Rates Regardless Of Age
Semiannual premiums are surprisingly affordable, and are the same regardless of your age-or that of your insured dependents
| |
Standard Option Plan |
High Option Plan |
| Member |
$41.70
semiannually |
$61.50
semiannually |
| Member & Family* |
$78.00
semiannually |
$115.00
semiannually |
* Family coverage includes the covered member and the spouse and dependent children (unmarried children under age 19; or, under age 25 if enrolled as full-time students; under 26 in Utah) of the covered member.
Effective Date Of Coverage
Coverage becomes effective on the date following acceptance by the Administrator of the application and the first premium payment, provided you or any dependent to be covered is not hospital confined. This is group insurance. Coverage continues in force as long as premiums are paid when due, you are an IEEE member and the group policy remains in force.
EXCLUSIONS
Benefits will not be paid under this policy and any attached rider for any expenses which result from: injury or sickness other than cancer; or treatment or services performed outside the United States.
Pre-existing Condition Limitation
No benefits will be payable for the Covered Person's Pre-Existing Conditions. They are defined as a Cancer that was positively diagnosed within ten years prior to the Covered Person's Effective Date of Coverage under this Policy, or a Cancer for which treatment had been received before the Covered Person has been Insured for 30 days from his Effective Date of Coverage.
We will, however, pay benefits for Cancer diagnosed and treated within the first 30 days the Covered Person has been insured. Expenses for such treatment are payable only if incurred after coverage has been in force for 12 consecutive months from the Effective Date.
IMPORTANT NOTICE TO PERSONS ON MEDICARE
This policy or certificate duplicates some Medicare Benefits
THIS IS NOT A MEDICARE SUPPLEMENT INSURANCE POLICY
This policy or certificate provides limited benefits, if you meet the policy conditions, for hospital and medical expenses only when you are treated for one of the specific diseases or health conditions listed in the policy or certificate. It does not pay your Medicare deductibles or coinsurance and is not a substitute for a Medicare supplement insurance policy.
This policy or certificate duplicates Medicare benefits when it pays:
- hospital or medical expenses up to the maximum stated in the policy.
- Medicare generally pays for most or all of these expenses.
Medicare pays extensive benefits for medically necessary services (regardless of the reason you need them). These include:
- hospitalization -physician services
- hospice
- other approved items and services
Before You Buy This Policy:
Check the coverage in all health insurance policies you already have.
For more information about Medicare and Medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
For help in understanding your insurance, contact your state insurance department or state senior insurance counseling program.
How To File A Claim
To file a claim, call or write the Administrator for claim forms.
Certificate Of Insurance
This information is only a brief description of the principal provisions and features of the Plan. The complete terms and conditions are set forth in the group policy issued by Monumental Life Insurance Company to the Trustee. When you become insured, you will be sent a Certificate of Insurance summarizing your benefits under the Plan.
How To Apply
- Refer to the Plan description for benefits and premium cost as you fill out the Application.
- Make a check payable for the total amount of the premium due payable to: Marsh U.S. Consumer, IEEE Group Insurance Program.
- Mail the completed application form with your check to:
Marsh U.S. Consumer
P.O. Box 10374
Des Moines, IA 50306-9586
Consider Your Eligibility
Before you request coverage, you must be a member (not affiliate status) in good standing of the Institute and cancer free. Please wait until your application for membership is accepted before initiating your insurance requests. If you have questions about Membership, see IEEE's home page.
"30-Day Free Look"
When you become insured you will be sent a Certificate of Insurance summarizing your insurance coverage. If you are not completely satisfied with the terms of your Certificate, you may return it, without claim, within 30 days. Your coverage will be invalidated and you will receive a full refund-no questions asked!
Questions? We're Only A Phone Call Away
If you have questions about your eligibility ... what the plan covers ... or how to complete the application ... just give us a call toll free at 1-800-493-IEEE. One of our service representatives will be available immediately to provide you with the information you need.
The Cancer Expense Insurance Plan is underwritten by:
Monumental Life Insurance Company
Baltimore, MD 21201