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.