ASCE Member Insurance Self-Service Portal

Cancer Insurance


Cancer survival rates continue to increase thanks to advancements in the healthcare and science industries—however, many individuals who are suffering from cancer face rising medical and treatment costs.* In addition to doctor's visits and hospital stays, there's also diagnostic testing, treatment programs, prescriptions, personal care, therapy, and more. Although health insurance plans often include some form of cancer coverage, much of the costs can be excluded. This may possibly leave you financially vulnerable during an already difficult time.


The ASCE Group $3,500 First Diagnosis Cancer Insurance Plan supplements your existing health insurance, and is designed to pay out benefits regardless of your other coverage—helping to save you from the worry of rising medical costs during a stressful time.

With ASCE Group $3,500 First Diagnosis Cancer Insurance Plan, you can receive:

  • Yearly $75 cash benefit for preventive cancer screening—available immediately with a diagnostic screening
  • $3,500 given to you upon your first cancer diagnosis (excluding skin cancer)
  • The ability to use cash benefits any way you like—medical payments, travel, family, or anything else that helps make your recovery easier and more comfortable
  • Up to $50 per day during hospital stays, for the first 90 days of confinement (per illness period)
  • Up to $1,000 for chemotherapy and radiation treatments (even on an outpatient basis)
  • Guaranteed acceptance if you fall within the designated age bracket and have no history of cancer (excluding skin cancer) in the last five years (6 months in CA, 2 years in GA)**
  • Benefits paid directly to you, regardless of any health insurance you already have
  • Benefits paid to hospital, provider, yourself, or anyone else you choose
  • Portable coverage that stays with you no matter where you live or work, with benefits that won't reduce due to age

*Cancer Facts & Figures, 2016

**This is a supplemental health insurance plan that requires you to have major medical coverage, Medicare, or other health coverage that meets "minimum essential coverage" as defined by the Affordable Care Act.

Frequently Asked Questions

Who is eligible for this insurance?
ASCE members and spouses between the ages of 18 and 75 (under age 65 in CA), and dependent children under age 19 (under 25 if a full-time student) are eligible if you have not been medically diagnosed with, treated for, or advised of cancer (excluding skin cancer) within the five years (6 months CA, 2 years GA) prior to the effective date of your coverage.


Who selects the doctors and hospitals?
You will receive all benefits for which you are eligible, regardless of what physician you see or hospital you use. There are no restrictions as long as they meet the plan definitions.


How are benefits paid?
All benefit checks will be sent directly to you or anyone you choose—never to your doctor or hospital, unless you specifically request it.


Are benefits paid in addition to any other coverage?
There is no coordination of benefits or co-payments with this plan. This is a supplemental plan that pays regardless of any other insurance you may have through different companies.


When will coverage become effective?
Your coverage will become effective on the date shown on your Certificate of Insurance, provided you have paid your first premium and you (or any dependents to be insured) are not hospital-confined on that date.


How do I calculate the rate on an ASCE Group $3,500 First Diagnosis Cancer Insurance plan?
It's easy! You pay one rate for individual insurance, or another rate if you’d like insurance for your entire family (you, your spouse, and children).


Who administers the Program?
Pearl Insurance, who uses the power of group purchasing to bring you premium savings, administers the ASCE Group Insurance Program. Pearl Insurance strives to provide ASCE members with the most relevant, competitively priced member benefit insurance packages for individuals and families.


Do I have to meet with an insurance agent?
Issuance of this policy is handled over the Internet and through the mail. You can review all materials in the privacy of your home, and purchase your policy directly through the mail without needing to meet with an agent. If you'd like to speak with a licensed representative, simply call the Policy Administrator, Pearl Insurance, at 800.650.2723 (ASCE).


What if I have second thoughts after I apply?
You will have 30 days from the date of receipt to review the Certificate of Insurance. If you are not satisfied with the terms of the certificate, simply return it to the Policy Administrator, Pearl Insurance, and any premiums paid will be refunded in full (minus any claims).


How do I apply?
Download the ASCE Group $3,500 First Diagnosis Cancer Insurance application, located under the forms tab, and follow the instructions.

Carrier

Transamerica Premier Life Insurance Company

Address
Transamerica Premier Life Insurance Company
4333 Edgewood Road N.E.
Cedar Rapids, IA 52499 USA