Cancer & Specified Disease Insurance
Below is information regarding the cancer insurance program. A critical illness policy also has cancer-related benefits.
The amount you pay depends on your selected plan level and who you cover. If you are paid one time per month, the full monthly rate is deducted from your pay check. If you are paid every two weeks, one half of the monthly rate is deducted from the first two paychecks in the month. If there is a third bi-weekly paycheck in the month, the premium is not deducted.
Plan premiums are deducted from your paycheck on a pre-tax basis in the same month coverage is effective. This means your premiums are taken from gross pay before Social Security, federal and state taxes are deducted, which reduces your taxable income.
1. Bone marrow testing; and
2. CA15-3 (cancer antigen 15-3 blood test for breast cancer); and
3. CA125 (cancer antigen 125 blood test for ovarian cancer); and
4. CEA (carcinoembryonic antigen blood test for colon cancer); and
5. Chest X-ray; and
6. Colonoscopy; and
7. Flexible sigmoidoscopy; and
8. Hemocult stool analysis; and
9. Mammography; and
10. Pap smear; and
11. PSA (prostate specific antigen blood test for prostate cancer); and
12. Serum Protein Electrophoresis (test for myeloma).
If you are a new-hire or become eligible for coverage due to a qualifying life event and enroll in the plan, benefits begin on the first day of the month following your event date. You have 30 calendar days starting from your event date to enroll and coverage begins on the first day of the month following your event date.
The plan year is January through December. Your plan election is “locked in” for the entire calendar year and does not require re-enrollment during open enrollment. Your elected plan continues from year to year unless you decide to make changes.
If you experience a qualifying life event during the year, you may add or drop dependents but you may not change the plan level (high option, low option). You may change your plan level and drop/add dependents during open enrollment and the changes become effective on January 1.
If you lose eligibility for coverage, terminate employment or retire, your coverage will end on the last day of the month in which the event date occurs.