The Cancer and Specified Disease Plan pays cash benefits for cancer and 29 other specified diseases to help with the costs associated with treatments and expenses as they happen. This coverage can help pay for hospitalization, surgery, radiation/chemotherapy and more.
You can choose between three options — Low, High or Premium — and can cover just yourself or you and your family. All three options cover the same type of services. In most cases, the amount of coverage differs based on the option chosen.
Coverage
This plan pays out benefits directly to you for medical treatment resulting from cancer as well as 29 other specified diseases. For more details, review the Summary of Benefits.
- Amyotrophic Lateral Sclerosis (Lou Gehrig's Disease)
- Muscular Dystrophy
- Poliomyelitis
- Multiple Sclerosis
- Encephalitis
- Rabies
- Tetanus
- Tuberculosis
- Osteomyelitis
- Diphtheria
- Scarlet Fever
- Cerebrospinal Meningitis (bacterial)
- Brucellosis
- Sickle Cell Anemia
- Thalassemia
- Rocky Mountain Spotted Fever
- Legionnaires' Disease
- Addison's Disease
- Hansen's Disease
- Tularemia
- Hepatitis (chronic B or C)
- Typhoid Fever
- Myasthenia Gravis
- Reye's Syndrome
- Primary Sclerosing Cholangitis (Walter Payton's Liver Disease)
- Lyme Disease
- Systemic Lupus Erythematosus
- Cystic Fibrosis
- Primary Biliary Cirrhosis
Each plan option includes the Cancer Prevention and Screening Benefit, which pays a benefit for each covered person annually for taking one of the tests below, regardless of the cost of the test.
- Biopsy for skin cancer
- Blood test for triglycerides
- Bone Marrow Testing
- CA125 (cancer antigen 125 - blood test for ovarian cancer)
- CA 15-3 (cancer antigen 15-3 - blood test for breast cancer)
- CEA (carcinoembryonic antigen - blood test for colon cancer)
- Chest X-ray
- Colonoscopy
- Doppler screening for peripheral vascular disease
- Echocardiogram
- EKG (Electrocardiogram)
- Flexible sigmoidoscopy
- Hemocult stool analysis
- HPV (Human Papillomavirus) Vaccination
- Lipid Panel (total cholesterol count)
- Mammography, including Breast Ultrasound
- Pap Smear, including ThinPrep Pap Test
- PSA (prostate specific antigen - blood test for prostate cancer)
- Serum Protein Electrophoresis (test for myeloma)
- Stress test on bike or treadmill
- Thermography
- Ultrasound screening of the abdominal aorta for abdominal aortic aneurysms
The Cancer Plan includes a benefit that pays you directly when you travel more than 70 miles from home for treatment of a covered diagnosis, with a maximum benefit amount equivalent to 700 miles.
Allstate Benefits does not pay benefits for a pre-existing condition during the 12-month period beginning on the date coverage starts.
A pre-existing condition is a disease or physical condition for which medical advice or treatment was received by the covered person during the 12-month period prior to their effective date of coverage.
Any covered loss that is incurred after the first 12 months is payable.
The policy does not pay for any loss except those due to cancer or a covered specific disease. A diagnosis must be submitted to support each claim.
For complete details on exclusions and limitations, refer to the certificate of coverage that responds with your Cancer and Specified Disease Plan option.
Certificates of Coverage
Select the certificate corresponding to your plan option for complete details on its benefits, limits and exclusions.
Cost
The monthly premium is based on the plan option you choose and who you choose to cover.
| Coverage Level | Low Option | High Option | Premium Option |
|---|---|---|---|
| Employee Only | $6.06 | $14.42 | $19.26 |
| Employee and Family | $10.02 | $23.90 | $31.84 |
Need to Know Details
Evidence of Insurability (EOI) is a way to provide proof of good health. This may include the employee's current health status, medical history and family history.
If you are required to submit EOI, Allstate Benefits must approve EOI before coverage becomes effective. The EOI form is available here; only complete the form if you are instructed to do so.
New hires do not need to provide EOI if they enroll within 30 days of their date of hire.
The portability feature allows employees to continue cancer coverage when their employment ends or policy terminates by paying premiums directly to Allstate Benefits.
Refer to the Cancer Plan Portability Privilege Flyer or contact Allstate Benefits for more information at 866-232-1517.
For individuals eligible for Medicaid, this plan may not be the best choice.
Benefits assigned under the policy are required to be assigned back to Medicaid.
When you enroll in NCFlex's Cancer Plan, be sure to designate beneficiaries in your enrollment platform.
If you do not designate a beneficiary when enrolling, you can complete the Cancer Plan Beneficiary Form to do so.
Examples of Net Costs
Each plan option includes the Cancer Screening Benefit, which pays a benefit for each covered individual annually for taking certain tests, regardless of the cost of the test. Additionally, since the monthly premium is subtracted from pay before taxes, you receive tax savings.
The chart shows examples of how the Cancer Screening Benefit and tax savings can affect the total cost for the NCFlex Cancer and Specified Disease Plan.
| Option | Annual Cost | Cancer Screening Benefit | Tax Savings (30% Tax Bracket) | NET Annual Cost |
|---|---|---|---|---|
| Low: Employee | $72.72 ($6.06/month) | $25 | $21.82 | $25.90 ($2.16/month) |
| High: Family | $286.80 ($23.90/month) | $200 (2 @ $100) | $86.04 | $0.76 ($0.06/month) |
| Premium: Family | $383.08 ($31.84/month) | $200 2 @ 100 | $114.92 | $68.16 ($5.68/month) |
Filing Claims
There is no deadline to file claims for the NCFlex Cancer Plan. Documentation is required.
| Cancer and Specified Disease Plan Contact Information | |
|---|---|
| Website | mybenefits.allstate.com |
| Customer Service | 866-232-1517 8 a.m.–8 p.m. EST, Monday–Friday |
| Mailing Address | 1776 American Heritage Life Drive Jacksonville, FL 32224-6688 |
The NCFlex Cancer Plan is administered by Allstate Benefits. The coverage provided is limited benefit cancer and specified diseases insurance, policy form GVCP2, or state variations thereof. Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), the underwriting company and a subsidiary of The Allstate Corporation. This coverage does not constitute comprehensive health insurance coverage (often referred to as "major medical coverage") and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.