My Account
Cancer Insurance
  • Overview
  • Tell Me More
  • FAQs
  • Forms
  • Contacts

The battle to defeat cancer is steadily improving . . . many new and effective treatments have been developed. And early detection is the first and one of the most important steps in our fight against cancer.
Unfortunately, the costs to fight cancer are substantial; both to the individual and to society as a whole.

With ROA's Cancer Care Protection Plan, you’ll receive these benefits to help cover your hospital bills and other expenses in addition to any other insurance benefits you may receive from other sources.

  • Helping You Afford the Best Treatment Available to Fight Cancer: Advances in cancer treatment are saving more lives than ever before. But with these advances in care come rising healthcare costs . . . and the need for supplemental insurance to help you afford the medical care you deserve.
  • Provides Financial Protection: ROA's Cancer Insurance Plan offers supplemental benefits you may use any way you wish—paid directly to you or anyone you choose, regardless of any other insurance coverage you have.
  • Member and Spouse Are Eligible to Apply Regardless of Age! You can also cover your dependent children (not available in CA age 65 and over).
  • Paid Benefits Cover: First Occurrences, Hospitalization and Hospice Care

Visit the Tell Me More section of the web site to learn more about this plan. Then, apply for coverage today!

How to Apply

To apply, download an application form by clicking on the link at the top of this page, or to speak to a customer service representative, call our toll-free number: 1-800-247-7988.


If cancer strikes, help protect yourself and your family from financial burdens with the ROA Cancer Plan. This plan pays you cash directly when you're treated for cancer ... so you can spend the money as you see fit. This plan is underwritten by Transamerica Premier Life Insurance Company.
Education is key in order to prevent or detect cancer early. And when fighting the disease itself, the proper financial resources are just as important. Let ROA help you be prepared.

Qualify for Acceptance

Because of your ROA membership, you, your spouse and children (unmarried, up to age 21; up to 23 if full-time student; age 25 in GA) are ELIGIBLE FOR ACCEPTANCE in the only cancer insurance plan endorsed by ROA. As long as you have been cancer free for 5 years (12 months in TX, 2 years in GA and 6 months in CA). You must be under the age of 65 in CA.
Regardless of your age, work history or exposure risks you're accepted. No physical exam is required.

*This is a supplemental health insurance plan that requires you to have major medical coverage, Medicare, or other health coverage that meets "minimum essential coverage" as defined by the Affordable Care Act.

Pays You Cash Benefits

The ROA Cancer Insurance Plan pays you cash regardless of other health benefits, including TRICARE, HMO or Medicare, if you get cancer. That's cash directly paid to you, unless you specify payment to Doctor or hospital, to help cover your medical bills, travel expenses, household bills or any other expenses you incur while fighting cancer.

Your Benefits

The ROA Cancer Plan, available for competitive group rates, has no deductibles or co-payments.
Plus, it pays you cash benefits for the following services you receive: First Occurrence One-Time only payment of $1,000.00 for the first time cancer is diagnosed (except skin cancer) after being covered under the plan for at least 30 days.

Hospital Confinement

$90.00 daily, days 1-12; $45.00 daily, days 13-90.

Extended Hospital Expense

100% of all charges in lieu of all other benefits up to $200.00 a day after 90 consecutive days. If you leave the hospital and then return within 45 days, as is common, your benefit period picks up from your last "benefit day." This benefit is in lieu of all other benefits.

Miscellaneous Hospital Expense

 $1,000.00 maximum benefit per illness period for miscellaneous hospital expenses, including drugs, use of an operating room, medical supplies, oxygen and other medically necessary items.

Private Duty Nurse

 $36.00 daily to $1,500.00 maximum benefit per illness period for an RN, LPN or LVN (not a family member) while hospitalized as recommended by your doctor.

Attending Physician

$15.00 daily to $1,500.00 lifetime maximum for doctor's visits (other than your surgeon and not a family member) while in the hospital.


20% of actual charges, up to $1,125.00 per operation. No limit on the number of surgeries covered. Includes post-operative attendance. Benefits for skin cancer are $93.75 per initial incision; $37.50 per additional incision.


$150.00 maximum benefit per operative session, except skin cancer, for which you receive a maximum benefit of $45.00 per operative session. No limit on the number of surgeries covered. Includes administration charges.

Pints of Blood & Plasma

$750.00 lifetime maximum for in-hospital or outpatient pints of blood and plasma charges. No limit for leukemia up to the policy lifetime maximum.

Radiology & Chemotherapy

$2,250.00 lifetime maximum for X-ray, radium, cobalt and chemotherapy treatments either while in the hospital or as an outpatient.

Second Opinion

$100.00 maximum benefit per illness period for a second medical opinion for cancer diagnosis or treatment.


$150.00 per illness period for ambulance trips to or from a hospital or skilled nursing facility. $750.00 lifetime maximum.


$450.00 lifetime maximum for plane, train or bus travel to obtain treatment recommended by a physician.

Skilled Nursing Facility

$100.00 a day for up to 365 days if you need care in a skilled nursing facility after a hospital stay of at least three days.

ROA Cancer Insurance Plan
(Monthly Rates)

Member's Age

Member & Family

Member Only

Under 50









65 & over (not in CA)



If applicable, an additional $2.00 billing fee (N/A in KS) will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option. Rates are based on member's attained age and increase as member passes from one age category to another.

Your Payment Options:

Please note:  You may also have the option of paying your premiums once a year (annually), twice a year (semi-annually), or four times a year (quarterly). If you pay your premiums monthly, quarterly or semi-annually, the total amount of premiums you pay in a year may be higher than if you make one annual payment. If you are interested in learning more about these payment options, please refer to your fulfillment package for details.

Please Read

Your insurance cannot be canceled because of your age or medical history. Your rates will only increase if rates increase for all insureds in your classification or if you reach a different age band, no matter how many claims you submit. Your protection will not be canceled as long as your ROA Master Policy remains in force, you pay your premiums, and you remain an ROA Member. Transamerica Premier Life has the right to change rates on any premium due date with 31 days notice to the insured. Premiums may also change if the group master policy changes.
Once your application is accepted, your coverage becomes effective on the first of the month after you've paid your first premium.


Only cancer is covered. Injury or sickness other than cancer is not covered.

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 five years (2 years in GA, 12 months in TX, 6 months in CA) prior to the effective date of coverage under the group policy, or a cancer for which treatment has been received before the covered person has been insured for 30 days (N/A in AZ, MO, OK, TX, WI) from the covered person's 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. Only if incurred after coverage has been in force for 12 consecutive months (6 months in CA) from the effective date.

Other insurance in this company:

Only one certificate or policy providing Cancer coverage may be in force as elected by the member. If any other certificate or policies previously issued by us or any other AEGON, U.S.A. affiliates are in force concurrently with the Certificate issued under this policy, the excess insurance will be void. All premiums paid for the excess will be returned to the Insured
Where available This plan is not available in AK, CO, CT, IL, IN, MA, MI, MN, MT, NC, NE, NV, NH, NJ, NM, NY, OR, SD, TN, TX, UT, VT, WA and WY.
Notes All association members, their spouses and dependent children (unmarried children under age 21; or, under age 23 if enrolled as full-time students) may apply for coverage. Please note, dependent eligibility ages may vary by state. Your Certificate/Policy will provide the full details.
Type of Insurance Cancer Insurance
Designed For Association members and dependents
Insurance Company Transamerica Premier Life Insurance Company
Group Policy Number MZ0910360H0001A
*This is a listing of insurance plan highlights.



Answers about the plan, including eligibility, options, application, customer service and more.

To apply for coverage, download an application by clicking on the link at the top of this page, or to speak to a customer service representative, call our toll-free number: 1-800-247-7988.

This plan pays cash benefits if you or a covered person are diagnosed with cancer. (See the certificate for full benefits.) This insurance is designed to supplement your basic healthcare coverage.
You will have 30 days from the date of receipt to review the insurance certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator, and any premiums paid will be refunded in full.

You should think about purchasing cancer insurance if:

  • You have a family history of cancer. (Although, if you've been diagnosed with cancer within 5 years (12 months in TX, 2 years in GA and 6 months in CA) prior to the Effective Date of Coverage, you won't qualify for coverage.)
  • You are your family’s sole wage earner.
  • You are concerned about protecting your family’s financial assets.

While your health insurance may cover a portion of physician, hospital, cancer therapy or prescription drug bills, it probably doesn’t cover them in full.

Also, your insurance isn’t likely to help with the other costs of cancer, including loss of income, transportation, child care, housekeeping and home nursing expenses. If you or another family member is unable to fulfill his or her usual responsibilities while ill, your family and your family’s finances could suffer greatly.


We're here to help! Please contact us in whatever manner is most convenient for you.

Program Administrator

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
Phone: 1-800-247-7988
Hours: 7:30 am to 5:00 pm M-F (Central)
Web site:

Insurance Company

Transamerica Premier Life Insurance Company
4333 Edgewood Road NE
Cedar Rapids, IA 52499
Web site:



This is a brief description of the benefits available. Plan underwritten by Transamerica Premier Life Insurance Company, Cedar Rapids, IA 52499, NAIC #66281and administered by Mercer Consumer, a service of Mercer Health & Benefits Administration LLC, 12421 Meredith Drive, Urbandale, IA 50398. Complete details may be found in Group Policy Form #CA1000GPM, Policy #MZ091036001A, Certificate Form #CA1000GCM, CA1000GCM.FL, CA1000GCM.TX, CA1000GCM.SERIES. Benefits may vary by state. Coverage may not be issued to residents of all states. Rates are based on member's attained age and increases as member passes from one category to another. 

Important Notes:
This web site provides a general description of the insurance plan offered and is not a contract. Complete terms, conditions, definitions, exclusions, limitations and renewability requirements are detailed in the Group Policy issued to the Group Policyholder. Each insured will be provided with a Certificate of Insurance that summarizes the policy provisions affecting his/her coverage.

Our Role & Compensation

Details of Mercer disclosure of the compensation.

Read More