1. Johanneson's Group of Companies
  2. JGC MN
  3. Cancer Insurance

Cancer

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  • Overview
  • Rates
  • Application
  • FAQ

Coverage for the Fight

Along with a cancer diagnosis comes unexpected expenses like deductibles, copays and costs for out-of-network care. Disability plans only cover a portion of your income, so there could be a significant gap between disability payments and a family's everyday living expenses like rent, food and utilities.

Supplemental cancer coverage works in conjunction with the medical insurance to protect employees' financial health and take advantage of group rates for the benefit of all.

Key benefits

  • Payments made directly to the employee
  • Family and dependent coverage available
  • Second surgical opinions are covered
  • In-home nursing services and chemotherapy coverage
  • Transportation and lodging expenses are covered
  • Wellness exam coverage is available
  • Coverage is portable
Download Product Brochure

CancerCare Elite - USAble Life

 

Individual

Individual/Children

Family

Plan I

$15.64

$19.20

$28.88

Plan II

$22.32

$27.22

$41.28

Plan III

$26.74

$32.78

$52.62

Cancer Diagnosis Rider

Amount

Individual

Individual/Children

Family

$1,000

$0.84

$1.02

$1.56

$2,000

$1.68

$2.04

$3.12

$3,000

$2.52

$3.06

$4.68

$4,000

$3.36

$4.08

$6.24

$5,000

$4.20

$5.10

$7.80

Daily Hospital Intensive Care Rider

Amount

Individual

Individual/Children

Family

$200

$1.84

$2.20

$3.36

$400

$3.68

$4.40

$6.72

$600

$5.52

$6.60

$ 10.08

Monthly Disability Rider for 1 year

Amount

Individual

Individual/Children

Family

$250

$1.20

$1.20

$2.16

$500

$2.40

$2.40

$4.32

Application Instructions

  1. Complete application online in full.
  2. Print completed application, sign and date.
  3. Return application to Human Resources or your company representative.

Download Application

FAQ PE

Frequently Asked Questions

What if I have already had cancer?

If you have been treatment free more than 5 years and less than 10 years you can apply for Plan I without the Cancer Diagnosis Benefit Rider, subject to a physician’s report.

If you have been treatment free for 10 years or more you can apply for Plan I, II, III without the Cancer Diagnosis Benefit Rider.

Applicants with a history of the following cancers are not insurable regardless of the date of diagnosis:

  • Lung or bronchi
  • Pancreatic
  • Bone marrow
  • Liver sarcoma
  • Kaposi’s sarcoma
  • Lymphoma
  • Stage III and IV melanoma
  • Brain or central nervous system
  • Giant cell carcinoma
  • Wilms' tumor
  • Carcinoma-in-situ
  • Squamous or basal cell skin cancer

How do I know which plan to take?

This is a personal choice decided by taking your family history into account and knowing that nobody can predict what the future holds regardless of family history.

Do I get money back each year even if I never get cancer?

Yes, the cancer plan has a Wellness Benefit. Each person on the policy receives $75 per calendar year for taking the following Preventive Cancer Screening Tests:

  • Mammography
  • Thermography
  • Colonoscopy
  • CEA (blood test for colon cancer)
  • Pap smear
  • Hemocult stool analysis
  • PSA (blood test for prostate cancer)
  • CA125 (blood test for ovarian cancer)
  • Flexible sigmoidoscopy
  • Chest X-ray

And any diagnostic procedure that can lead to the positive diagnosis of cancer.

Still have a question? Contact your Account Executive listed at the bottom of this page.

  • Contact Info

    Claire Alley 
    Claire.Alley@azurancegroup.net
    701-858-5022

Azurance Group
4510 13th Avenue South
Fargo, North Dakota 58121

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