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Cancer Insurance

Group Name: State of Georgia Employee Benefit Plan
Group Number: 738492

Get fixed benefit payments if you are diagnosed with Cancer and receive covered treatment or services on or after the coverage effective date.

Cancer Insurance doesn’t replace your medical coverage; instead, it complements it. The benefit payments don’t go out to pay for medical bills or treatments you may need, instead they come in—directly to you—to be used however you’d like. Choose Cancer Insurance to help lessen the financial impact of covered services and treatments resulting from a covered cancer diagnosis.

Cancer Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

Your Cancer Insurance includes the following benefits:

Cancer Screening

This is a yearly benefit you and your covered dependent spouse and/or children can receive by completing an eligible cancer screening test.

Continuation of Cancer Insurance

Continuation allows you to maintain your current Cancer Insurance coverage for yourself, your spouse and children during an employer-approved leave of absence. 


You may apply to continue your coverage when you leave your current employer, and pay premiums to the insurance company directly.

Waiver of Premium

If you aren’t working because you are totally disabled, Waiver of Premium allows you to keep your Cancer Insurance coverage for a period of time without paying premiums.

Review this document for a complete overview of benefits

Cancer Insurance Certificate

What is Cancer Insurance?

Cancer Insurance pays you fixed benefits for specific services and treatments resulting from a covered cancer diagnosis that occurs on or after your coverage effective date. Get a benefit payment to spend on deductibles, groceries, gas, utilities, or anything you’d like. Cancer Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

How can Cancer Insurance help?

You can use the benefit however you would like. Below are a few examples of how your Cancer Insurance benefits could be used:

  • Out of pocket medical expenses, such as deductibles and co-pays
  • Home healthcare costs
  • Lost income due to lost time at work
  • Everyday expenses like utilities and groceries

Why should I enroll through my employer?

Premium amounts are deducted from your paycheck, so you don’t have to worry about paying another bill.

Can I purchase coverage for my spouse and dependent child?

If you are covered for Cancer Insurance, you may elect Cancer Insurance coverage on your family Coverage is available for your eligible spouse and your eligible children up to age 26* as defined in the certificate of insurance and riders, if employee coverage is elected.

*May include children age 26 or older who are incapable of self-sustaining employment due to physical or intellectual disability. 

How much does it cost?

You have the option to elect supplemental Cancer Insurance to meet your needs. The cost is provided in the Explore your Benefits brochure and is based on the level of coverage you elect.  

Do I need to provide health information?

No. Cancer Insurance coverage is available on a guaranteed issue basis. Pre-existing condition limitation may apply.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Cancer Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form #RL-CNC-POL-738492; Certificate Form #RL-CNC-CERT-738492. Form numbers, provisions and availability may vary by state and employer’s plan.

Real Life Example

Beth was diagnosed with breast cancer; she had no previous history of cancer. She lives more than 100 miles from the site of her treatments. Beth was able to use the cancer insurance benefit to pay for expenses she incurred traveling to her treatments. The following outlines the type of benefits she received.

Example Expenses

Cancer Screening $60
Second Surgical Opinion $300
First Occurrence $3,000
Needle Biopsy & Anesthesia $200
Lumpectomy & Anesthesia $400
External Radiation therapy (6 weeks) $3,600
Chemotherapy (6 months) $6,000
Anti-Nausea medication (6 months) $600
Transportation (2 round trips) $500
Total Benefits Amount $14,660

These potential benefits are for illustrative purposes only and actual benefits and results may vary based on the terms of the policy and the claimant’s specific circumstances.

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