1 Cancer insurance is also known as Specified-Disease Insurance in some states.
AFLAC CANCER PROTECTION ASSURANCE – B70000 SERIES
In Arkansas, Policies B70100AR, B70200AR, B70300AR, B7010EPAR, B7020EPAR. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. In Oregon, Policies B70100OR, B70200OR, B70300OR, B7010EPOR, B7020EPOR. In Texas, Policies B70100TX, B70200TX, B70300TX, B7010EPTX, B7020EPTX. This is a brief product overview only. Coverage may not be available in all states including but not limited to New Jersey, & Virginia. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
Limitations & Exclusions for the residents of Arizona:
Except as specifically provided in the Benefits section of the policy, Aflac will pay only for treatment of Cancer or Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); complications of either Cancer or an Associated Cancerous Condition; or any other disease, sickness, or incapacity.
If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed after the date the application for coverage was signed but before the Effective Date of coverage, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition, will apply only to treatment occurring after two years from the Effective Date of such person’s coverage. You may, at your option, elect to void the coverage and receive a full refund of premium.
In addition, for benefits to be payable for a recurrence, direct extension, or metastatic spread of any Cancer or Associated Cancerous Condition that was diagnosed prior to the Effective Date of coverage, the Covered Person must be free from Treatment for that Cancer or Associated Cancerous Condition for a consecutive 12-month period before the diagnosis date of the recurrence, direct extension, or metastatic spread.
The Initial Diagnosis Benefit is not payable for: (1) any Internal Cancer or Associated Cancerous Condition diagnosed or treated before the Effective Date of the policy and the subsequent recurrence, extension, or metastatic spread of such Internal Cancer or Associated Cancerous Condition; or (2) the diagnosis of Nonmelanoma Skin Cancer. Any Covered Person who has had a previous diagnosis of Internal Cancer or an Associated Cancerous Condition will NOT be eligible for an Initial Diagnosis Benefit under the policy for a recurrence, extension, or metastatic spread of that same Internal Cancer or Associated Cancerous Condition.
Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
Aflac will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Aflac will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under the policy; or (2) fraud is committed or attempted in connection with any matter relating to the policy.
Limitations & Exclusions for the residents of Idaho:
Except as specifically provided in the Benefits section of the policy, Aflac will pay only for treatment of Cancer, Associated Cancerous Conditions, or other conditions or diseases directly caused, complicated or aggravated by or resulting from Cancer or an Associated Cancerous Condition, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity.
The policy contains a 30-day waiting period. If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before his or her coverage has been in force 30 days, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring on or after 31 days from the Effective Date of such person’s coverage. At your option, you may elect to void the coverage and receive a full refund of premium.
The Initial Diagnosis Benefit is not payable for: (1) Internal Cancer or an Associated Cancerous Condition diagnosed during the policy's 30-day waiting period; (2) the diagnosis of Nonmelanoma Skin Cancer; or (3) claims incurred prior to the Effective Date of the policy. A claim for the Initial Diagnosis Benefit is considered incurred on the date the tissue specimen, culture, and/or titer is taken upon which the original distinct diagnosis of Internal Cancer or Associated Cancerous Condition is based.
Aflac will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
2 Diagnosis & Treatment: Treatment Choices for Non-Small Cell Lung Cancer, by Stage, Cancer.org, 2020. Last revised: June 10th, 2020.
https://www.cancer.org/cancer/non-small-cell-lung-cancer/treating/by-stage.html.
Assumes Stage 2 lung cancer, multiple rounds of chemotherapy and recovery time on a yearly basis.
What’s New in Non-Small Cell Lung Cancer Research? Cancer.org, 2019. Last revised: October 1, 2019.
https://www.cancer.org/cancer/non-small-cell-lung-cancer/about/new-research.html.
Assumes Stage 2 lung cancer, multiple rounds of chemotherapy and recovery time on a yearly basis.
Costs of diagnosis and treatment(s) are based on:
Diagnostic - X-ray (1 Chest): $66.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/137?directsearch=true&tab=ShopForCare.
Diagnostic - Chest CT Scan (1): $656.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/139?directsearch=true&tab=ShopForCare.
Diagnostic - Chest MRI (with/without contrast, HCP & tech fees (1): $1,216.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/419?directsearch=true&tab=ShopForCare.
Diagnostic - Bronchoscopy (1 with biopsy): $2,397.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/363.
Diagnostic - Lung Biopsy: $875.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/286?directsearch=true&tab=ShopForCare.
Treatment - Lung Surgery (lobe removal) (1): $24,508.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/45?directsearch=true&tab=ShopForCare.
Treatment - Oral Chemotherapy (5): $7,080.00
Source: https://www.drugs.com/price-guide/etoposide.
Treatment - Intravenous Chemotherapy (5): $2,505.00
Source: https://www.cancer.org/cancer/lung-cancer/treating-non-small-cell/chemotherapy.html.
Treatment - Double Lung Transplant (19 day hospital stay, HCP fees, post op & anesthesiology) (1): $121,506.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/588?directsearch=true&tab=ShopForCare.
Treatment - Radiation (1): $482.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/171?directsearch=true&tab=ShopForCare.
Follow Up - Doctor Visit (24): $5,160.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/226?directsearch=true&tab=ShopForCare.
Total Cost: $166,451.00
Assumes Stage 2 lung cancer, multiple rounds of chemotherapy and recovery time on a yearly basis.
3 The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The “Aflac Pays You” data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources.
4 Assumes the average cost of a gallon of whole fresh milk is $3.66**. Comparison is based on the average weekly premium for Aflac Cancer Protection Assurance Series B70000 - Option 1: B70100; Individual/One-Parent Family ages 18-75 - Payroll. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
**Source: United States Dept. of Agriculture, December 2021.
5 Cash benefits are paid directly to you, unless assigned otherwise.
6 Cancer Treatment Centers of America - Skin Cancer. Updated July 14, 2021. Accessed Oct 29, 2021. https://www.cancercenter.com/cancer-types/skin-cancer.