| Supplemental Insurance Plans |
Long-Term Disability Insurance Plan
for Spouse or Domestic Partner
The Health Alliance provides long-term disability (LTD) insurance to all benefit eligible associates. We realize, however, that many of our associates’ spouses or domestic partners may not be covered under any income protection insurance. Long-term disability coverage is available for them at a discounted rate. For the Health Alliance definition of domestic partner, see Your Eligibility for Health Alliance Benefits, page 1.
Coverage Options
The individually owned policy is designed to meet the needs of the policyholder and there are several options available. An insurance representative will be happy to meet with you to discuss the monthly coverage amount, length of payment period, and elimination period that best fits your financial needs. This insurance is fully underwritten, which means that a full medical history is required at the time of application. If a physical examination is required, it will be at the expense of the insurance carrier.
Cost of Coverage
The discounted cost of coverage varies depending on the age of the insured and the level of coverage selected. Premiums are deducted on an after-tax basis from every paycheck.
Enrollment Contact
Information and enrollment assistance with this benefit should be obtained through an insurance representative. Please call S. G. Donahue & Company, Inc. at 513-721-2513.
Note: This benefit is available for enrollment through age 65 with plan continuation indefinitely.
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| Supplemental Insurance Plans |
Cancer Expense Insurance Plan
The American Cancer Society reports that cancer strikes three out of four families. The Health Alliance is making available to you a Cancer Expense Insurance Policy that not only provides payments if you are diagnosed with cancer, but also offers coverage for wellness screening.
Coverage Options
There are two options available to you, your spouse or domestic partner, and your children to age 25 (if full-time student). For the Health Alliance definition of domestic partner, see Your Eligibility for Health Alliance Benefits, page 1.
- Series A-59200 - pays first occurrence internal cancer diagnosis and treatment benefit of $2,000
- Series A-59300 - pays first occurrence internal cancer diagnosis and treatment benefit of $5,000
"Internal Cancer" includes melanomas classified as Clark’s Level III or higher.
Additional benefits under both plans include:
- Hospital confinement - $300 a day for the first 30 days, then $600 a day thereafter for inpatient hospitalization (no lifetime maximum).
- Radiation and chemotherapy – up to $300 a day for charges incurred for the modification or destruction of abnormal tissue (no lifetime maximum).
- Experimental treatment – up to $300 a day for charges incurred for experimental cancer treatments for the modification or destruction of abnormal tissue.
- Anti-nausea benefit – up to $100 a month.
- Nursing services – up to $100 a day for full-time care by RNs, LPNs or LVNs.
- Surgical/Anesthesia benefit - $100 to $5000 (depending on the type of surgery) when a cancer related surgical operation is performed.
- Prosthesis benefit – up to $3000 for charges incurred for surgically implanted prosthetic devices.
- Wellness benefit – up to $75 per calendar year/per person for charges incurred for any one of 12 cancer screening tests, after 30 days of coverage is in force.
Other benefits payable under a payment schedule include:
| · Outpatient blood and plasma(up to $250) | · Second surgical opinion (up to $250) |
| · Transportation ($.50 per mile up to $1,500) | · Lodging for out of area ($60 per day) |
| · Bone marrow transplant (up to $10,000) | · Stem cell transplant (up to $2,500) |
| · Extended care facility ($100 day/365 day max.) | · Ambulance (charges incurred within 100 miles) |
| · Home health care ($50 per visit/30 visits a yr.) | · Hospice ($100/day for 60 days, then $50/day) |
| · National Cancer Institute evaluation and consultation benefit ($500) | |
Full coverage (other than First Occurrence benefit) is available if you have had cancer in the past as long as you have been in remission at least five years.
Cost of Coverage
The cost of coverage varies depending on the plan you choose and who is covered. Refer to the cost sheet insert for specific premium amounts. Premiums are deducted on a pre-tax basis from every paycheck. However, if your policy includes coverage for a domestic partner, deductions are taken on an after-tax basis.
Enrollment Contact
Information and enrollment assistance with this benefit should be obtained through an insurance representative. Please call S. G. Donahue & Company, Inc. at 513-721-2513.
Note: This benefit is available for enrollment through age 70 with plan continuation indefinitely.
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