Join your nearly 3,600 fellow ROA members and their families who rely on the the ROA-sponsored Cancer Insurance Plan as a second source of financial help.
To sign up for the ROA-sponsored Cancer Insurance Plan, simply:
1. Read the information on this web site.
2. Click on Enroll Now.
3. Print and complete the Enrollment Form.
4. Mail your completed Enrollment Form to:
ROA-sponsored Member Benefits
P.O. Box 14464
Des Moines, IA 50306-3464
5. Send no money now.
Guaranteed Acceptance
Because of your ROA membership, you, your spouse and children (unmarried, up to age 21; age 26 in UT; up to 23 if full time student; age 25 in GA) are GUARANTEED ACCEPTANCE in the only cancer insurance plan sponsored by ROA.
Regardless of your age, health (as long as no one enrolling has had cancer in the past five years), work history or exposure risks—you're accepted. There are no health questions to answer and no physical exam is required.
Pays You Cash Benefits
The ROA Cancer Insurance Plan pays you cash in addition to your other health benefits, including TRICARE, HMO or Medicare, if you get cancer. That's cash directly paid to you—not your doctor—to help cover your medical bills, travel expenses, household bills or any other expenses you incur while fighting cancer.
Your Benefits
The ROA-sponsored Cancer Plan, available for economical group rates has no deductibles or co-payments.
Plus, it pays you cash benefits for the following services you receive:
First Occurrence—One-time only payment of $1,000.00 for the first time cancer is diagnosed (except skin cancer) after being covered under the plan for at least 30 days.
Hospital Confinement—Up to $90.00 daily, days 1–12; up to $45.00 daily, days 13–90.
Extended Hospital Expense—100% of all charges in lieu of all other benefits up to $200.00 a day after 90 consecutive days. If you leave the hospital and then return within 45 days, as is common, your benefit period picks up from your last "benefit day." This benefit is in lieu of all other benefits.
Miscellaneous Hospital Expense—Up to $1,000.00 per illness period for miscellaneous hospital expenses, including drugs, use of an operating room, medical supplies, oxygen and other medically necessary items.
Private Duty Nurse—Up to $36.00 daily to $1,500 per illness period for an RN, LPN or LVN (not a family member) while hospitalized as recommended by your doctor.
Attending Physician—Up to $15.00 daily to $1,500 lifetime maximum for doctor's visits (other than your surgeon and not a family member) while in the hospital.
Surgical—20% of actual charges, up to $1,125.00 per operation. No limit on the number of surgeries covered. Includes post-operative attendance. Benefits for skin cancer are $93.75 per initial incision; $37.50 per additional incision.
Military Hospital Benefit—$3,000 first month ($99.98/day); $2,250.00 next two months ($75.00/day); $1,500.00 each additional month ($50.00/day); when you are confined in a military hospital for the treatment of cancer you may choose this option to collect the above cash amounts, instead of all other benefits during your hospital stay.
Anesthesia—Up to $150.00 per operative session, except skin cancer, for which you receive $45.00 per operative session. No limit on the number of surgeries covered. Includes administration charges.
Blood & Plasma—Up to $750.00 lifetime maximum for in-hospital or outpatient blood and plasma charges. No limit for leukemia up to the policy lifetime maximum.
Radiology & Chemotherapy—Up to $2,250.00 lifetime maximum for X-ray, radium, cobalt and chemotherapy treatments either while in the hospital or as an outpatient.
Second Opinion—Up to $100.00 per illness period for a second medical opinion for cancer diagnosis or treatment.
Ambulance—Up to $150.00 per illness period for ambulance trips to or from a hospital or skilled nursing facility. $750.00 lifetime maximum.
Transportation—Up to $450.00 lifetime maximum for plane, train or bus travel to obtain treatment recommended by a physician.
Skilled Nursing Facility—Up to $100.00 a day for up to 365 days if you need care in a skilled nursing facility after a hospital stay of at least three days.
Plan underwritten by Monumental Life Insurance Company and administered by MARSH Affinity Group Services, a service of Seabury & Smith, 1776 West Lakes Parkway, West Des Moines, IA 50398. This is a brief description of the benefits available. Complete details may be found in Group Policy Form #CA1000GPM, Policy #MZ091036001A, Certificate Form #CA1000GCM, CA1000GCM.FL, CA1000GCM.TX. Benefits may vary by state. Coverage may not be issued to residents of all states. Rates are based on member's attained age and increases as member passes from one category to another.
| ROA Cancer
Insurance Plan (Monthly Rates) |
||
| Member's Age | Member & Family | Member Only |
| Under 50 | $9.50 | $6.75 |
| 50-59 | $12.76 | $9.09 |
| 60-64 | $13.81 | $9.97 |
| 65 & over | $20.37 | $14.84 |
You'll be billed twice a year. Rates are based on member's attained age and increase as member passes from one age category to another.
Please Read
Your insurance cannot be canceled because of your age or medical history. Your rates will only increase if rates increase for all insureds in your classification or if you reach a different age band, no matter how many claims you submit. Your protection will not be canceled as long as your ROA Master Policy remains in force, you pay your premiums, and you remain an ROA member.
Once your enrollment is received, your coverage becomes effective on the first of the month after you've paid your first premium.
Exclusions: Only cancer is covered. Injury or sickness other than cancer is not covered.
Pre-existing Condition Limitation: No benefits will be payable for the Covered Person's Pre-Existing Conditions. They are defined as a cancer that was positively diagnosed within five years prior to the effective date of coverage under the group policy, or a cancer for which treatment has been received before the covered person has been insured for 30 days from the covered person's effective date of coverage.
We will, however, pay benefits for cancer diagnosed and treated within the first 30 days the covered person has been insured. Expenses for such treatment are payable only if incurred after coverage has been in force for 12 consecutive months from the effective date.
