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 Monumental Life Insurance Company, a Transamerica 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).
Regardless of your age, work history or exposure risks you're accepted. No physical exam is required.
Pays You Cash Benefits
The ROA Cancer Insurance Plan pays you cash in addition to your 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-endorsed Cancer Plan, available for economical 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.
Surgical 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.
Military Hospital Benefit If you are confined in a military hospital for the treatment of cancer, you may choose the Military Hospital Benefit to collect cash amounts instead of all other benefits during your hospital stay: $3,000.00 first month ($99.98/day); $2,250.00 next two months ($75.00/day); $1,500.00 each additional month ($50.00/day).
Anesthesia $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.
Ambulance $150.00 per illness period for ambulance trips to or from a hospital or skilled nursing facility. $750.00 lifetime maximum.
Transportation $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.
Rates
ROA Cancer Insurance Plan
(Monthly Rates)
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You'll be billed twice a year. All billing modes except annual will include a $2.00 billing fee. To avoid the fee, select 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.
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. Monumental 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 enrollment is accepted, your coverage becomes effective on the first of the month after you've paid your first premium.
Exclusions: 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 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 from the effective date.
| Eligibility |
| Where available |
This plan may not be available in all states. Please contact the Plan Administrator for availability. |
| 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. |
| Details |
| |
Summary* |
| Type of Insurance |
Cancer Insurance |
| Designed For |
Association members and dependents |
| Insurance Company |
Monumental Life Insurance Company |
| Group Policy Number |
MZ0910360H0001A |
| *This is a listing of insurance plan highlights. |
THIS IS A CANCER ONLY POLICY.
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