Cancer Care Plus

Not available in Florida, Georgia, Hawaii, Indiana, Tennessee, Utah, Washington. Call us and we will tell you what we can place there.

Every benefit below is transcribed from ManhattanLife Cancer Care Plus brochure CCP-BR 0420. Benefits, amounts and riders vary by state; the policy issued to you governs.

• The dread diseases this covers, in full Included

  Alongside cancer, a closed list of twenty-seven named conditions: Addison's disease, amyotrophic lateral sclerosis, diphtheria, encephalitis, epilepsy, Legionnaire's disease, lupus erythematosus, meningitis, multiple sclerosis, muscular dystrophy, myasthenia gravis, Niemann-Pick disease, osteomyelitis, poliomyelitis, Reye's syndrome, rheumatic fever, Rocky Mountain spotted fever, sickle-cell anemia, Tay-Sachs disease, tetanus, toxic epidermal necrolysis, toxic shock syndrome, tuberculosis, tularemia, typhoid fever, Whipple's disease and whooping cough. A condition that is not on this list is not covered by this policy, however serious it is.

• Radiation, chemotherapy and immunotherapy Included

  Pays the actual charges for teleradiotherapy, radioactive isotopes therapy, chemotherapy, chemotherapy enhancer drugs, anti-nausea drugs and immunotherapy, up to a monthly maximum: Plan A $2,500, Plan B $5,000, Plan C $7,500, Plan D $5,000.

  Immunotherapy must be FDA approved. Not payable if treatment is received in a government or charity hospital — that is covered separately, at a lower amount.

• Surgery Included

  Pays for surgery in or out of hospital to treat cancer or a covered dread disease, calculated as a percentage of a per-surgery maximum: Plan A $2,500, Plan B $3,000, Plan C $4,000, Plan D $4,000.

• Daily hospital confinement Included

  Plan A $100, Plan B $150, Plan C $300, Plan D $150 for each day confined for treatment of cancer or a dread disease, for the first 70 days of each period of confinement.

• Extended benefits from the 71st day Included

  $1,000 a day from the 71st day of one continuous hospital confinement, paid in place of all other benefits for the same period.

• Cancer screening test Included

  One annual screening test — mammography, pap smear, CA125, PSA, hemocult stool specimen, flexible sigmoidoscopy, CEA, colonoscopy, chest X-ray, thermography or serum protein electrophoresis. Plan A $50 a calendar year, Plan B your choice of $50 or $100, Plan C and Plan D $100.

  Not payable if received through a free-testing programme or where no charge is made. State variations apply.

• First Occurrence Rider Optional rider

  Payable once per covered person on a first cancer diagnosis: Plan A $1,000, Plan B $2,500, Plan C $5,000, Plan D $10,000.

  Not payable for skin cancer, and not available at ages 65 and above.

• Hospital extras Included

  Ambulance $250 a trip, 3 trips a year. Physician's attendance $50 a day during a confinement. Prescribed drugs and medicines while confined, actual charges to 20% of the daily hospital confinement benefit, for the first 70 days. Treatment in a government or charity hospital pays $200 a day in place of all other benefits except transportation and lodging.

• Hospice, extended care and private duty nursing Included

  Hospice care $100 a day, to a lifetime maximum of 180 days in a hospice centre or 30 days at home. Extended care facility $100 a day to 70 days, where it begins within 14 days of a covered confinement. Private duty nursing while confined, $150 a day.

• Travel and lodging for non-local treatment Included

  Round trip coach fare, or 50 cents a mile by car where the distance is more than 50 miles one way, to a maximum of 700 miles round trip. Where the treatment does not require confinement there is a $1,500 calendar year maximum on the travel and lodging and meals are paid to $50 a day. An adult companion's travel is covered to $2,500 per confinement with lodging and meals to $50 a day.

  Not payable for periodic checkups, cancer screening tests, or for anything the policy does not otherwise cover.

• Bone marrow transplant, and the donor Included

  Bone marrow transplant or other stem cell rescue, actual charges to a lifetime maximum of $10,000, paid in place of other benefits for the same treatment. A donor's medical expenses are covered to $2,500, with travel on the same mileage rule and lodging and meals to $75 a day.

• Reconstruction and prosthetics Included

  Breast reconstruction and an internal or external prosthesis following mastectomy, including the surgeon's fee, actual charges to a lifetime maximum of $5,000 and paid in place of the surgical benefit. Artificial limbs and other prosthetic devices, actual charges to $1,500, limited to two of the same type.

• Outpatient surgery, second opinions and anaesthesia Included

  Outpatient surgery in a hospital or ambulatory surgical centre pays $375 an operation toward drugs, medicines and lab tests, and up to 150% of the amount in the surgical schedule. A differing second and third surgical opinion pays $200 each. Anaesthesia pays 25% of the surgical benefit paid, or $50 for each skin cancer operation.

  Outpatient surgery is not payable in a physician's office or clinic, or for skin cancer treatment.

• Skin cancer Included

  Where the diagnosis is made by a physician other than a pathologist, $150 a calendar year for removal, to a lifetime maximum of $600. Where a pathologist makes the diagnosis, actual charges to the surgical schedule maximum.

• Care at home Included

  Home health care services $60 a day to 180 days a calendar year, private duty nursing at home $150 a day to 15 days, and physician visits at home $50 a day to 15 days. Must be prescribed by a physician, provided by a licensed agency and not by a relative.

  Paid in place of all other policy benefits for the same period.

• The rest of the schedule Included

  Durable medical equipment, actual charges to $1,000 a calendar year. A mental health consultation $50 a session to a lifetime maximum of $250. An outpatient diagnostic test that leads to a positive diagnosis within 90 days, $250, once per diagnosis. Experimental treatment received in the United States, actual charges to a lifetime maximum of $10,000. Blood, plasma and platelets, actual charges to $5,000 a calendar year. A hairpiece after treatment-related hair loss, $100 once. Physical, occupational or speech therapy $50 a session to a lifetime maximum of $1,500. A tutor for an insured child under 19, $25 a session to a lifetime maximum of 50 sessions.

• Intensive Care Unit Rider Optional rider

  $600 a day in an intensive care unit and $300 a day in a step-down unit, each to a maximum of 30 days in any one confinement.

  Benefits reduce by half at age 70.

• Critical Care Benefit Rider Optional rider

  Heart disease — pacemaker insertion, angioplasty and heart catheterisation — actual charges to a lifetime maximum of $2,500. Heart attack or stroke, actual charges to a lifetime maximum of $5,000.

Cancer Care Plus on its own page, with its own enrollment link.

Issue ages

Ages 18 to 69.

Underwriting

Four benefit packages — Plan A, Plan B, Plan C and Plan D — are chosen at application. The figures below show what each pays.

Policy form

CP 4000 4/04, CP 4000 ID, CP 4000 LA 4/04, CP 4000 MT 9/09, CP 4000 OK 4/04, CP 4000 TX 4/04, ML-4000 4/04, FL 4000 8/09. Rider forms ICUR 4000, CCBR 4000. Form numbers and benefits vary by state.