Anyone can develop cancer. Fortunately, advances in cancer treatment are saving more lives than ever before. With these advances in care, however, come rising health care costs. There are hospital expenses, specialists' fees, prescription drugs, operations, day and night nursing care, therapists, and more.

Even if your basic health insurance policy covers you for cancer, you'll probably be required to pay a copayment for medical expenses.

This valuable coverage pays cash benefits if you should get cancer and can help protect your family from the costs of cancer treatments.

Plan Highlights:

• Guaranteed Acceptance if you have been cancer-free for the past five years
• Family coverage available
• Pays benefits directly to you or your doctor if you choose so
• Economical group rates—thanks to the group buying power of AFSA members

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Guaranteed Coverage for You and Your Family

As a member of AFSA, you and your spouse are eligible for this insurance regardless of your age provided you have not been medically treated for or advised of cancer within five years prior to the effective date of coverage. Your children are also eligible provided they meet the health requirements and are age 19 or under (23 if a full-time student; 26 in Utah). Please note, dependent eligibility ages vary by state. Your Certificate/Policy will provide full details.

Economical Rates Regardless of Age

Monthly premiums are economical.

Cancer Plan Monthly Rates

* Children up to age 19 (23 if full-time student, 26 in UT).
All billing modes except annual will include a $2.00 billing fee.

Benefits Paid Directly to You

Once you are enrolled, your AFSA Cancer Plan will pay the following benefits if you are diagnosed with cancer. These benefits are paid regardless of any other health coverage you have—helping to minimize your out-of-pocket expenses.

• $2,250.00 lifetime maximum for Chemotherapy and Radiation (including x-ray, radium, and cobalt treatments).
• $1,500.00 lifetime maximum for a Private Duty Nurse; up to $36.00 daily.
• $1,050.00 lifetime maximum for an Attending Physician; $15.00 daiIy.
• $750.00 lifetime maximum for Blood & Plasma. No limit for leukemia up to the policy maximum.
• $750.00 lifetime maximum for Ambulance Service; up to $75.00 each trip.
• Up to $90.00 daily, days 1-12 for Hospital Confinement; up to $45.00 daiIy, days 13-90.
• $9,000.00 a month (up to $300.00 a day) Extended Hospital Expense after 90 consecutive days in the hospital.
• Up to $1,125.00 (20% of actual charges) for Surgery per operative session.
• Up to $75.00 for Skin Cancer Removal for initial incision: $75.00 each additional incision.
• $150.00 for Anesthesia per operative session; for skin cancer, $45.00 per operative session.
• $450.00 lifetime maximum for Transportation.
• $375.00 or 10% of hospital confinement benefit received for Miscellaneous Hospital Expense. This covers medicine and other necessary supplies.
• Military Hospital Benefit $3,000.00 first month ($99.98 a day) for Mliitary Hospital; $2,250.00 next two months ($75.00 a day); $1,500.00 each additional month ($50.00 a day). When you are confined in a mliitary 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.

The lifetime maximum amount for all above benefits is $500,000.00.

Effective Date of Coverage

Your coverage will begin on the first of the month after your Application is approved and we receive your first premium payment. Your coverage will not be canceled nor rates increased unless rates are increased for all insureds in your classification, no matter how many claims you submit. Your coverage will never terminate because of age or medical history as long as you have not been diagnosed with cancer within 5 years prior to the effective date of coverage, you pay your premiums, the AFSA Group Master Policy remains in force, and you remain an AFSA member.

Other Important Cancer Plan Information

Exclusions: Only cancer is covered. Injury or sickness other than cancer is not covered.

Pre-existing Condition Limitations and Exclusions: 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 covered person's effective date of coverage under this policy, or a cancer for which treatment has been received before the covered person has been insured for 30 days from his or her effective date of coverage. [Except in AZ, MN, MO, NH, OR, TX, UT, WI, and WY.] 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.

A Notice About Monumental Life Insurance Company's Privacy Policy

1. We do not sell your personal information to anyone.
2. We may collect nonpublic personal information about you from the following sources:
   • Information we receive from you on applications or other forms; and
   • Information about your transactions with us, or our affiliates.
3. We do not disclose any nonpublic personal information about you to either our "affiliates" or non-affiliates, except as permitted or required by law.
4. We restrict access to your nonpublic personal information to employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your nonpublic personal information.

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Plan Eligibility

Plan underwritten by Monumental Life Insurance Company, Cedar Rapids, IA, 52499, an AEGON company, and administered by Marsh U.S. Consumer, 12421 Meredith Drive, Urbandale, IA 50398. This provides a brief description of the benefits available.

Complete details can be found in Group Policy Form No. CA1000GPM, Policy No. MZ0910350H0002A, Certificate Form No. CA1000GCM series.

Benefits may vary by state. Coverage may not be issued to residents of all states.

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