Washington National Solutions Cancer

Each year, millions of Americans are diagnosed with cancer.
What are the chances that someone in your family will be one of them?
According to the American Cancer Society:
• Nearly 1-in-2 men—and more than 1-in-3 women—are expected to develop cancer at
some point in their lifetime.1
The good news: Thanks to early detection and advanced treatment, survival rates are increasing.
But prevention methods and treatments cost money.
And they may not be covered by your major medical policy.
The total overall cost of cancer is estimated at $216.6 billion.
More than 60% of this amount represents nonmedical needs,2 which could include:
• Insurance shortfalls, such as deductibles, copayments and benefit limitations.
• Special expenses like transportation, lodging and family care.
• Loss of income when the patient is unable to work.
• Living expenses, including mortgage or rent payments, car loans, utilities and groceries.

Nonmedical costs (paid out of your pocket)
60%

Medical costs
40%

Solutions Cancer Pie Chart
How would you pay for the out-of-pocket expenses of cancer?
• Spend your life savings.
• Sell off assets.
• Purchase supplemental insurance.
Your cancer concerns don’t stop at the doctor’s door.
Neither should your insurance. Washington National offers a solution.

YOUR GUARANTEES
FROM WASHINGTON NATIONAL
• Benefits are paid directly to you regardless of any
other insurance you have.3
• Only you can cancel your coverage.4
• Rates won’t increasejust because you use your policy’s benefits.5

1 American Cancer Society, Cancer Facts & Figures 2015, 2015, p. 1–3.
2 American Cancer Society, Cancer Facts & Figures 2014, 2014, p. 1–3.
3 Unless otherwise requested by you or required.
4 As long as your premiums are paid when due. Only you can cancel your coverage.
Your rates cannot be increased unless all rates of the same kind are raised in your state.
The above facts represent the U.S. population, are provided for information only and do not imply
coverage under the certificate. The company and/or certificate are not endorsed by the American
Cancer Society.

PLAN D BENEFITS*

IN-HOSPITAL BENEFITS

Inpatient hospital confinement includes U.S. government hospitals
$250 per day, 1–30 days
$500 per day, 31+ days
Benefits are paid for each day you are confined as an inpatient in a hospital due to cancer. For confinements in a U.S. government hospital, this benefit amount is paid in lieu of all other benefits—except the first-occurrence express payment,

Inpatient drugs and
diagnostic testing                                                                   Actual charges up to $50 per day                                              Benefits are paid for FDA-approved drugs and medicine, X-rays and laboratory and diagnostic
testing. Benefits are payable for up to the same number of days you receive benefits for hospital
confinement.

Attending physician                                                                              Actual charges up to $40 per day Benefits are paid per covered confinement for cancer-treatment services by a physician other
than your surgeon. Benefits are payable for up to the same number of days you receive benefits for hospital confinement.

Private nurse                                                                                           Actual charges up to $125 per day                                      Benefits are paid when your doctor prescribes the full-time services of an L.P.N., L.V.N. or R.N. during a covered hospital confinement. Services must be provided by someone other than a
spouse or family member, and be other than those regularly furnished by the hospital. Benefits
are payable for up to the same number of days you receive benefits for hospital confinement.

transportation (covered person),                                           Actual charges up to
$2,500 for coachclass plane, train or bus transportation or 40 cents per mile for
transportation by car

Benefits are paid for a one-way trip by coach-class plane, train, bus or car if you must travel more
than 100 miles one way within the continental U.S. (including Alaska, Hawaii and Puerto Rico).
Transportation must be from your home to receive covered cancer treatments that are prescribed
by your physician and are not available locally. There is no limit to the number of trips.
National Cancer Institute (NCI)
This transportation benefit also applies for consultation at a comprehensive or clinical cancer center
recognized by the National Cancer Institute.

transportation (family member)                                    Actual charges up to
$2,500 for coachclass plane, train or bus transportation or 40 cents per mile for
transportation by car

Benefits are paid for one immediate family member for a one-way trip by coach-class plane,
train, bus or car if the same trip is not paid under the transportation (covered person) benefit.
Transportation is limited to two one-way trips per period of confinement from the family
member’s home to the hospital in which the covered person is confined. The hospital must be
more than 100 miles one way within the continental U.S. from each person’s home (including
Alaska, Hawaii and Puerto Rico). This benefit is provided to the covered person for a family
member to travel to and/or from the city where a covered person is confined to receive covered
cancer treatments that are prescribed by a physician and are not available locally.

Family member lodging                                                                 Actual charges up to $70 per day

Benefits are paid for one immediate family member’s lodging, in one room per day, for up to 60 days per period of the covered person’s confinement. Lodging must be more than 100 miles one
way within the continental U.S. from each person’s home (including Alaska, Hawaii and Puerto Rico).
The benefit is provided to the covered person for a family member to lodge in the city where the covered person is confined to receive covered cancer treatments that are prescribed by a physician
and are not available locally

Ambulance                                                                                        Actual charges up to $250 per one-way trip

This benefit is paid for each one-way trip to or from a hospital where you are confined as an
inpatient, for up to two one-way trips per confinement. Benefits include air ambulance when
necessary to protect your health and safety and no other travel methods are available.

 IN- OR OUT-OF-HOSPITAL BENEFITS 

Second and third surgical opinion                                Actual charges up to $250 per opinion

Benefits are paid for second and third medical evaluations of your need for surgery (other than for skin cancer) at your option.

Surgery $135 to $9,000

Benefits are paid for each operation which diagnoses or treats cancer, based on the schedule listed in your certificate. If more than one procedure is performed through the same incision at the same time, we will pay for the one with the largest benefit amount.                 Biopsy surgery
Benefits also are paid for surgical biopsies leading to positive cancer diagnosis, based on the surgical schedule listed in your certificate.

Reconstructive breast surgery                                                    Actual charges

This benefit is paid up to the amount we paid for, and occurring within three years of, the mastectomy.1, 2

Blood and plasma                                                                                                         $80 per unit                                                                                                           Benefits are paid for each unit of blood you receive for cancer treatment. This includes donated blood, plasma and platelets                 

 Anesthesia                                                                                                                       $34 to $2,250                                                                                                                       Benefits are paid for each operation, based on the schedule listed in your certificate. If more than one surgical procedure is performed at the same time, we will pay for the anesthesia with the largest benefit amount. Benefits also are paid for surgical biopsy anesthesia leading to a positive cancer diagnosis, based on the schedule listed in your certificate.

  Prosthetics (surgical)                                                                        Actual charges up to $3,000 per device   

  Benefits are paid for surgically implanted prosthetic devices needed due to, and received within
three years of, a covered surgery as prescribed by a physician due to cancer.

Prosthetics
(nonsurgical)

Inpatient drugs and diagnostic testing
Actual charges up to $50 per day

Benefits are paid for FDA-approved drugs and medicine, X-rays and laboratory and diagnostic
testing. Benefits are payable for up to the same number of days you receive benefits for hospital
confinement.

BENEFIT AMOUNT INFORMATION

First-occurrence express payment
$1,000 This benefit is payable by overnight delivery when any covered family member is diagnosed
with any type of internal cancer, except skin cancer, and submits acceptable proof of diagnosis.

Children will receive a 50% increased benefit. This way, you will have immediate financial
assistance to help with the extra expenses associated with cancer. In most areas, delivery is
guaranteed within two days! This benefit is payable only once for each covered person. Additional units
first-occurrence express payment
$1,000 to $9,000 Up to nine additional units ($1,000 per unit) are available for a maximum express payment
benefit of $10,000. Children will receive a maximum benefit of $15,000.

Health AdvocateTM: Our signature feature
Making phone calls, handling arrangements, filing paperwork….When you’re dealing with health
issues, you don’t have to handle it all by yourself. With your Washington National Solutions
Cancer certificate, you have immediate access to helpful support from Health Advocate.
Your personal Health Advocate is an R.N. backed by medical directors and administrative
experts. Health Advocate can help you:
• Navigate the healthcare system.
• Find physicians and facilities.
• Access valuable resources.
• Resolve claims and billing issues.
For immediate support, call Health Advocate at (866) 695-8622.

 

Your One Stop For Employee Benefit Solutions