Cancer Care

These benefits are paid regardless of your current medical insurance, and you are guaranteed acceptance as an member in good standing who has not had cancer (except skin cancer) in the last 5 years (3 years in LA, 2 years in VT, 12 months in TX, 6 months in ID, NV and UT). When you're fighting for your life, the SPE Benefits Cancer Care Insurance Plan will be there in your corner.

If a test comes back "positive for cancer" after you've been enrolled for 30 days, we'll pay the following benefits:

Hospital Room & Board: $60.00 per day for the first 10 days of each period of a covered hospital confinement. $120.00 per day thereafter, up to 90 days.

Extended Hospital Expenses: Then, after you’ve been in the hospital for 90 days, the plan pays $240 a day up to day 730.

Outpatient Drugs & Medicine: Members are paid $10.00 for any prescription refill, up to a $100.00 annual maximum and $1,000.00 lifetime maximum.

Attending Physician: $25.00 per day for doctors' visits (other than your surgeon) while hospitalized regardless of the number of physicians, up to the maximum of $1,000.00 per illness period.

Nursing Service: $25.00 per day for private care by a Registered Graduate Nurse or Licensed Practical Nurse while hospitalized. Maximum of $2,250.00 in benefits per illness period.

Ambulance: $100.00 benefit; with an illness period maximum of $1,000.

Radiation & Chemotherapy: $100.00 daily benefit (including x-ray, radium, and cobalt therapies) with a lifetime maximum of $2,000.

Blood & Plasma: Members are paid $100.00 daily benefit; with a maximum of $500.00 for every illness period with a $1,000 lifetime maximum.

Benefits Go Directly to You

A battle with cancer is expensive. That's why the SPE Benefits Cancer Care Insurance Plan kicks in benefits – paid REGARDLESS OF any other insurance you may have - to help you fight cancer. You collect cash benefits to help with unexpected costs such as hospital stays, operations, doctors, drugs and more.

Effective Date

Your Cancer Care coverage starts the first day of the month after your enrollment form and first premium payment are received. You cannot be singled out for cancellation, a benefit decrease, or an increase in your premiums due to a change in your health or occupation. Your benefits will continue in full force as long as you pay your premiums on time, remain a member in good standing, and the Master Policy No. 9200/9201/9202, under policy series 17-50995, remains in force. Residents of AK, CO, MT and NV will be issued individual policy form series 17-51062.

Exclusions and Limitations

Benefits will not be paid under this Policy or any attached Rider for any loss caused by, resulting from or contributed by: Injury or Sickness other than Cancer; expenses the Covered Person is not legally obligated to pay or those charged only because the Covered Person has insurance; treatment or services performed outside of the United States.

Pre-Existing Conditions

No benefits will be payable for the Covered Person's Pre-Existing Conditions. A Pre-Existing Condition is defined as any condition (except Skin Cancer) that was Positively Diagnosed or for which medical treatment, consultation, advice, care or services was sought within 5 Years (3 years in LA & MT; 2 years in IL & VT; 12 months in MS & TX; 6 months in ID, NV, SD, UT & WY) prior to the Covered Person's Effective Date of Coverage under this Policy.

The Company has a right to rescind or void a Covered Person's insurance coverage if the Company finds that the Covered Person had a Pre-Existing Condition. Any premiums paid for that Covered Person will be refunded.

Benefit Waiting Period:

Benefits are not payable for Cancer diagnosed and treated within the first 30 days the Covered Person has been insured. However, benefits for treatment or services related to such Cancer are payable after coverage has been in force for 12 consecutive months from the Effective Date.

THIS IS A CANCER ONLY POLICY

Benefits are not payable for Cancer diagnosed and treated within the first 30 days the Covered Person has been insured. However, benefits for treatment or services related to such Cancer are payable after coverage has been in force for 12 consecutive months from the Effective Date.

Monthly Rates for Members & Spouses:

Note: A $2.00 administrative fee is added to the premium rates shown above for billing modes other than annual.

**Not available for those age 65 and over in California.