• Helping You Afford the Best Treatment Available to Fight Cancer: Advances in cancer treatment are saving more lives than ever before. But with these advances in care come rising health care costs...and the need for supplemental insurance to help you afford the medical care you deserve. The CSEA Member Group Cancer Care Insurance Plan offers supplemental benefits you may use any way you wish—paid directly to you (or anyone you choose), regardless of any other insurance coverage you have.
• Member and Spouse are Eligible to Apply between the ages of 18-65.
• The CSEA plan provides coverage for Hospital Stays, Surgery, Radiology and Chemotherapy, Attending Physicians, and Pints of Blood and Plasma.

Coverage For You And Your Family

As an CSEA member, you and your spouse are eligible for this insurance regardless of your age provided you have not been medically treated for, or advised of cancer (except skin cancer) within 6 months prior to the effective date of coverage. Your children are also eligible provided they meet the health requirements and are under age 19 (under 25 if enrolled as full-time students). (This Plan is not available in all states. Please contact the Administrator for more information.)

Competitive Rates Regardless of Age

Monthly premiums are competitively-priced.

Cancer Plan Monthly Rates

* Children up to age 19 (23 if full-time student).

Your Payment Options:

Please note: You may also have the option of paying your premiums once a year (annually), twice a year (semi-annually), or four times a year (quarterly). If you pay your premiums monthly, quarterly or semi-annually, the total amount of premiums and/or administration fees that you pay in a year may be higher than if you make one annual payment. If you are interested in learning more about these payment options, please refer to your fulfillment package for details.

First Occurrence Is Covered

Benefits begin on the first day cancer is positively diagnosed, provided your policy has been in force for 30 days prior to diagnosis. You'll receive $1,000 upon the first occurrence under the Standard Plan ($1,500 under the High Option Plan) to help you pay for initial expenses. (First occurrence benefit does not pertain to skin cancer and will be paid only once during your lifetime).

Daily Benefits

You will receive $100 per day for the 1st through 60th day of a covered hospitalization under the Standard Plan ($150 per day under the High Option Plan).

Extended Daily Benefits

Beginning on the 61st day of hospitalization, your daily benefit increases to $250 per day under the Standard Plan ($375 per day under the High Option Plan).

Outpatient Care

As an outpatient receiving therapy and treatment for cancer, you'll be paid $100 per day for each day you receive outpatient treatment or to help you meet ongoing costs under the Standard Plan ($150 per day under the High Option Plan).

Hospice Care

If your life expectancy is less than six months following a hospital confinement of at least 3 consecutive days, you'll receive $100 per day for a maximum of 180 days under the Standard Plan, to help meet the special needs of you and your family ($150 per day under the High Option Plan).

Intensive Care

When confinement to an Intensive Care Unit is caused by cancer, you'll receive $100 per day for a maximum of 15 days under the Standard Plan ($150 per day under the High Option Plan).

Effective Date Of Coverage

Coverage becomes effective on the date following acceptance by the Administrator of the application and the first premium payment, provided you or any dependent to be covered is not hospital confined. This is group insurance. Coverage continues in force as long as premiums are paid when due, you are a CSEA member and the group policy remains in force.

EXCLUSIONS

Benefits will not be paid under this policy and any attached rider for any expenses which result from: injury or sickness other than cancer; or treatment or services performed outside the United States. Benefits will not be paid under this policy for any expenses which result from: 1) injury or sickness other than cancer, heart attack or stroke; 2) expenses the covered person is not legally obligated to pay or those charged only because the covered person has insurance; 3) treatment or services performed outside of the United States; and 4) a cancer for which treatment has been received before the covered person has been insured for 45 days will be considered a pre-existing condition. We will, however, make payments for this cancer if the covered person incurs expenses after his insurance has been effect for 6 months. 5) Declared or undeclared war or any act of war; full -time service in the armed forces. 6) Participating in a riot; committing or attempting to commit a felony.

Preexisting Condition Limitation

No benefits will be payable for the Covered Person's Preexisting Conditions. They are defined as a cancer that was positively diagnosed within 6 months prior to the Covered Person's Effective Date of Coverage under this Policy, or a cancer for which treatment had been received before the Covered Person has been Insured for 30 days from his Effective Date of Coverage.

We will, however, pay benefits for cancer diagnosed and treated within the first 30 days the Covered Person has been insured. Expenses for such treatment are payable only if incurred after coverage has been in force for 6 consecutive months from the Effective Date.

Termination of Coverage

Coverage ends if: the Master Policy is terminated; the member is no longer a member of his/her association; or the insured fails to pay the appropriate premium. Dependent’s coverage ends when member’s coverage ends, his/her premiums are not paid, the Master Policy is terminated, or on the premium due date coinciding with or next following the date the dependent ceases to be eligible. Transamerica Premier has the right to change premiums on any premium due date with 31 days notice to the insured. Premiums may also change if the group master policy changes.

THIS IS A CANCER, HEART ATTACK, STROKE ONLY POLICY.

IMPORTANT NOTICE TO PERSONS ON MEDICARE

THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS

This is not a Medicare Supplement Insurance

This insurance pays a fixed amount, regardless of your expenses, if you meet the policy conditions, for one of the specific diseases or health conditions named in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.

This insurance duplicates Medicare benefits because Medicare generally pays for most of the expenses for the diagnosis and treatment of the specific conditions or diagnoses named in the policy.

Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:

• hospitalization
• physician services
• hospice
• outpatient prescription drugs if you are enrolled in Medicare Part D
• other approved items and services

Before You Buy This Insurance

• Check the coverage in all health insurance policies you already have.
• For more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
• For Help in understanding your health insurance, contact your state insurance department or state health insurance assistance program.

How To File A Claim

To file a claim, call or write the Administrator for claim forms.

Certificate Of Insurance

This information is only a brief description of the principal provisions and features of the Plan. The complete terms and conditions are set forth in the group policy issued by Transamerica Premier Insurance Company to the Trustee. When you become insured, you will be sent a Certificate of Insurance summarizing your benefits under the Plan.

How To Apply

1. Refer to the Plan description for benefits and premium cost as you fill out the Application.
2. Make a check payable for the total amount of the premium due payable to: CSEA Group Insurance Program.
3. Mail the completed application form with your check to:

CSEA Insurance Plans 
12421 Meredith Drive
Urbandale, IA 50398

Consider Your Eligibility

Before you request coverage, you must be a member (not affiliate status) in good standing of the Association and cancer free in last 6 months and under the age of 65. Please wait until your application for membership is accepted before initiating your insurance requests.

Transamerica Premier has the right to change rates on any premium due date. Rates may also change at any time if the terms of the group policy are changed. However, we will provide you with written notice at least 60 days before the date of change.

"30-Day Free Look"

When you become insured you will be sent a Certificate of Insurance summarizing your insurance coverage. If you are not completely satisfied with the terms of your Certificate, you may return it, without claim, within 30 days. Your coverage will be invalidated and you will receive a full refund, no questions asked.

Questions? We're Only A Phone Call Away

If you have questions about your eligibility ... what the plan covers ... or how to complete the application ... just give us a call toll-free at 877-492-3862. One of our service representatives will be available immediately to provide you with the information you need.

Answers about the plan, including eligibility, options, applying, customer service and more.