GUARANTEED ACCEPTANCE:
You are guaranteed acceptance as a member in good standing who has not had cancer (except skin cancer) in the last 5 years (3 years in LA, 2 years in VT, 12 months in TX, 6 months in ID, NV and UT).

MAXIMUM LIFETIME BENEFITS:
*Individual benefits are subject to lifetime maximums that vary per benefit. Total maximum lifetime benefits are $300,000.

EXCLUSIONS AND LIMITATIONS:
Benefits will not be paid under this Policy or any attached Rider for any loss caused by, resulting from, or contributed to by: Injury or Sickness other than Cancer; treatment or services performed outside of the United States. The policy does not cover any confinement or treatment not ordered by a physician, or not medically necessary for the care of cancer. Any injuries or sickness other than cancer are also not covered. Services or treatment that are solely diagnostic or exploratory in nature, except to the extent provided in the Group Policy, or treatment provided by a family member or obtained outside of the United States are not covered.

PRE-EXISTING CONDITIONS LIMITATIONS: Members and Dependents who have been medically treated for or advised of Cancer within 5 years (3 years in LA; 2 years in IL; 12 months in MS, NC, SC, TX & VA) prior to the Effective Date of Coverage are not eligible for this Cancer Insurance. No benefits will be payable for any covered person’s pre-existing condition (defined as a positive diagnosis or receipt of medical treatment consultation, advice, care or services for cancer prior to their effective date of coverage) subject to the eligibility timelines listed above. For residents of MO & SC: Cancer pre-existing conditions will not be covered until the earlier of 12 months during which no medical treatment or advice is given by a physician for that condition or they have been insured by the policy for 12 consecutive months (SC) or 24 consecutive months (MO), whichever occurs first.

BENEFIT WAITING PERIOD: Benefits are not payable for cancer diagnosed or treated within 30 days of the effective date. However, benefits for treatment or services for those cancers are payable after coverage has been in force for 12 consecutive months. In MO, the waiting period does not apply to a hospital stay due to cancer.

These limitations may vary by state.

THIS IS A CANCER ONLY POLICY. 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.