Cancer Plus Critical Illness
Whitfield County Schools offers a Cancer Plus Critical Illness benefit through Voya Financial that provides a monetary benefit to help with the out-of-pocket medical and non-medical expenses upon diagnosis of a covered illness. Cancer Plus Critical Illness insurance helps you and your family maintain financial security during the recovery period of a serious medical event, such as cancer, heart attack, or stroke. This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force. An infectious disease requires a minimum of 5 consecutive days confined in a hospital to be considered for reimbursement. Please refer to the Certificate on the Resources page at https://wcsbenefits.com/resources for details.
Premium Information: https://wcsbenefits.com/rates
Important Documents: https://wcsbenefits.com/resources
Coverage amount for employees and spouses are available in $5,000 increments, as follows:
Employee: $5,000 to $30,000
Spouse: $5,000 to $15,000
- Spouses up to age 70 are eligible to elect this coverage
Dependent children (Up to age 26): $1,000, $2,500, $5,000, or $10,000 coverage options.
- The employee must be enrolled in coverage to elect spouse or child coverage, but the dependent coverage levels can exceed the coverage elected on the employee.
- There are no health questions when enrolling in this benefit.
Additional information on the plan is below.
Features
- Benefits are paid in addition to any other insurance that you may have, and benefits are paid directly to you
- This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force. (See certificate on the Resources page at https://wcsbenefits.com/resources for complete details.)
- This product may pay multiple times for the same or different covered conditions (see the certificate on the Resources page for additional information at https://wcsbenefits.com/resources)
- Benefits may be used however you'd like. Typical uses include:
- Out-of-pocket medical and non-medical expenses
- Home health care needs and home modifications
- Recovery and rehabilitation
- Child care or caregiver expenses
- Travel expenses to and from treatment centers
Wellness Benefit Included
The voluntary Critical Illness plan includes a wellness benefit for covered preventive screenings, including but not limited to:
- Chest X-Ray
- Mammogram
- Hemoccult
- Colonoscopy
- CA 125 and CEA blood tests
- Prostate specific antigen testing
- Women's wellness
Wellness Benefit Amount
- Employee: $50
- Spouse: $50
- Child(ren): $50
Simply submit your claim form along with proof of your screening to receive your screening benefit. Directions for submitting a claim are located on the Resources page at https://wcsbenefits.com/resources.
| Covered Diagnoses |
|---|
| Heart attack | sudden cardiac arrest: 25% |
| Stroke | Coma |
| Cancer: 100% | skin cancer: 10% |
| Carcinoma in Situ: 25% |
| Coronary artery bypass: 25% |
| Major organ transplant / end stage renal failure |
| Permanent Paralysis |
| Diabetes - Type 1 |
| Severe burns |
| Transient Ischemic Attacks: 10% |
| Ruptured or dissecting aneurysm: 10% |
| Abdominal or thoracic aortic aneurysm: 10% |
| Open heart surgery for valve replacement or repair: 25% |
| Transcatheter heart valve replacement or repair: 10% |
| Coronary angioplasty: 10% |
| Implantable cardioverter defibrillator placement: 25% |
| Pacemaker placement: 10% |
| Benign brain tumor |
| Bone marrow transplant: 25% |
| Stem cell transplant: 25% |
| Loss of sight, hearing, or speech |
| Multiple Sclerosis, ALS, Parkinson’s Disease |
| Advanced dementia and Alzheimer’s Disease |
| Huntington’s Disease, Muscular Dystrophy |
| Addison’s Disease: 10% |
| Myasthenia Gravis, Systemic Lupus Erythematosus: 50% |
| Systemic Sclerosis: 10% |
| Occupational HIV or Hepatitis B or C |
|
Infectious diseases (covered at 25% unless otherwise noted) - COVID - Polio, rabies, meningitis, Lyme’s Disease - Mad Cow Disease - Flesh eating bacteria, MRSA, sepsis - Tuberculosis, bacterial pneumonia, diphtheria - Encephalitis, Legionnaire’s Disease, Malaria - Necrotizing Fasciitis, Osteomyelitis, Tetanus, Ebola * An infectious disease requires a minimum of 5 consecutive days confined in a hospital to be considered for reimbursement. |
