Additional benefits can make an otherwise simple and basic cancer policy, more comprehensive and attractive to consumers. These “other” benefits provide compensation for occurrences that one would not think they needed to be covered for. These benefits don’t require extra payments, such as riders, they are included in the base price.

  • National Cancer Institute Evaluation – This allows the policy holder an opportunity to get a second evaluation at the institute in which you would be working with a specialist in that area of cancer. The policies do not pay for the entire evaluation but do take care of a large portion of the cost.
  • Speech Therapy – An additional benefit that may surprise some but is often needed. Due to the severity of many cancers, communication can be effected and the patient must be rehabilitated in order to do so after treatment. Many policies give daily amounts to go towards this type of therapy that can be both very costly and for a long period of time.
  • Tutor – If a covered child is on the policy and he/she happens to be diagnosed with cancer and must miss school, many policies cover costs for tutors to come in and help the student stay with his or her classmates as they receive treatment outside of school.
  • Income Replacement Benefit – Being out of work due to cancer can cause many financial burdens. Some policies replace some weekly income for a standard amount of time if you are unable to work due to your diagnosis.
CompanyEffective DateAverage IncreaseComments
Aetna Life Insurance Company1/1/147.0%New Jersey
American Continental Insurance Company3/1/146.3%Arizona
American Progressive Life and Health Insurance Company of New York1/15/146.0%Connecticut
Anthem Blue Cross and Blue Shield - Colorado2/1/144.1%Colorado
Anthem BlueCross - California3/1/146.0%California
BlueCross BlueShield of Delaware1/1/144.2%Delaware
CareFirst BlueChoice, Inc.1/1/14-4.1%Virginia
CareFirst BlueCross BlueShield1/1/141.4%Maryland
Central States Indemnity Company of Omaha4/1/141.0%Arkansas
Colonial Penn Life Insurance Company1/1/143.0%0% - 12%; Varies by state
Combined Insurance Company of America1/1-5/1/20148.6%4.6% - 12.5%; Varies by state
Equitable Life & Casualty Insurance Company12/1/2013-1/1/20145.5%5% - 6%; Varies by state
Excellus Health Plan Inc.1/1/14-6.2%New York
Family Life Insurance Company2/1/1414.0%Oregon
Gerber Life Insurance Company2/1/1420.0%Nebraska
Heartland National Life Insurance Company2/1/146.0%3% - 9%; Varies by state
Humana Insurance Company3/1-5/1/20145.8%(7.4%) - 14.9%; Varies by state
Loyal American Life Insurance Company1/1/149.0%New Hampshire
Medico Insurance Company2/1/141.9%Texas
Paramount Insurance Company1/1/1411.6%Ohio
Regence Blue Cross BlueShield of Oregon1/1/143.7%Oregon
Standard Life and Accident Insurance Company1/15/142.2%Missouri
Sterling Life Insurance Company1/1/149.5%(7.7%) - 25%; Varies by state
Thrivent Financial for Lutherans4/1/145.4%South Carolina
United American Insurance Company1/1-3/15/20142.2%(12%) - 18.5%; Varies by state
United Commercial Travelers of America1/1/148.5%7% - 10%; Varies by state
UnitedHealthcare Insurance Company1/1-4/1/20144.0%(3.1%) - 10%; Varies by state

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