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Group Cancer Insurance Brochure
Cancer insurance through Colonial Life can help you manage expenses related to a cancer diagnosis and treatment. Benefits are paid directly to you and can be used for costs that may not be fully covered by your medical plan.
How Cancer Insurance Can Help
You can use cancer insurance benefits for expenses such as:
- Deductibles and copays
- Out-of-network treatment costs
- Travel, lodging, and meals during treatment
- Child care expenses
- Home health services
Available Plan Options
View and compare Colonial Life cancer insurance plans (PDF).
Two cancer insurance options are available:
- Level 2
- Level 3
Plan Features
Both plans are guaranteed issue, regardless of your health status. Coverage is employee-paid through convenient payroll deduction.
Cancer insurance can help:
- Cover direct and indirect costs associated with cancer diagnosis and treatment
- Pay for eligible expenses that health insurance may not fully cover, including deductibles, coinsurance, and other out-of-pocket costs
- Provide an annual wellness benefit for covered cancer screening tests, such as mammograms and prostate cancer screenings
Learn More About Cancer Insurance
Watch this short video to learn how Colonial Life cancer insurance can help provide financial support during treatment and recovery.
Premium Rates
Level 2 Premium Rates
| Pay Frequency | Self | Family |
|---|---|---|
| Biweekly | $6.39 | $10.66 |
| Monthly | $13.85 | $23.10 |
| 18‑Pay | $9.23 | $15.40 |
Level 3 Premium Rates
| Pay Frequency | Self | Family |
|---|---|---|
| Biweekly | $10.41 | $17.31 |
| Monthly | $22.55 | $37.50 |
| 18‑Pay | $15.03 | $25.00 |
Additional Details
Active full-time non student employees are eligible if the most recent appointment period is continuous for a minimum of one year (nine or twelve as appropriate to the appointment).
New employees must enroll within the first 30 days of employment. If elected during this time, coverage will be issued on a guaranteed issue basis. This means that an employee can enroll in the coverage without having to submit evidence of good health for approval and regardless of past cancer history.
There is a 12 month look-back clause - this means that if there has been treatment for cancer in the previous 12 months, the covered person must satisfy a 12 month waiting period before receiving a benefit from the coverage. After the 12 month waiting period, the benefit will begin to pay immediately.
After initial eligibility, application may be made during the annual open enrollment period.
