My MIL buys my kids a savings bond ($50 denomination) every year on their birthday for college. "Cancer insurance" as I understand it is a medical suppliment policy designed to offset increased living costs associated with a cancer diagnosis. If I had invested that money in a different manner, I would still have access to it today. Copyright 2023 eSupplemental Insurance Services, Inc., PO BOX 1307, Owings Mills, MD 21117 All Rights Reserved. Suppose you get run over by a truck, die of a heart attack, get bitten badly by a neighbour's dog, get hit by a tree during a tornado, etc., etc. If I pay $25 for a bond and it matures to become worth $50, is that entire profit considered interest or just what it continues to accrue during the next however many years you keep it? This is a 'cancer only' policy, right? Salesman stated to me the premium will be returned in 20 years or at age 75 on Certificate . We had to cash out his other retirement a few years ago when his employer closed. Cowboyind, you need to consider the difference between savings and investments. I have a Conseco Cancer policy purchased in March of 1974. I now work for them because of what it did for me. And the CDC disagrees with your #1 claim too! These all have very specific meanings which I will not go into. There are two reasons for this: First, people are more scared of cancer than heart disease, even though heart disease is a far bigger killer. We realize this could be a difficult time and we would like to work with affected policy owners to help answer any questions or concerns they may have about their insurance coverage. We also have dealt with savings bonds, which by far are a joke! And I know that $47,000 is not much considering the bills for chemo, hospital stays, icu, doctors, etc; but, if you are lucky -as my mother in law was- you will have very good health insurance that covers all of those bills except for office co-pays after your deductible has been met each year. 3. Estimated amount consumers saved since 1997: $15,590,010,907. Yes, typically if you havent had any diagnosis or treatment in the last 10 years, and you dont have any current tests pending for which you have not received results. By the same logic, you could say that lottery tickets represent a valid form of investing -- for "some people." Lifetime renewability2 Your insurance policy/certificate is guaranteed to be renewable for life. I'm not doing it to market. Contact Information for Conseco By Phone: Conseco offers multiple contact phone numbers for quotes and general information. Internet marketing is a waste of time in my type of sales, so quit making accusations. Policies underwritten by Washington National Insurance Company, home office: Carmel, IN. As we age, you are more likely to die of cardivascular disease. Most will only pay if your accident was in a common carrier, commercial transport, or you are hospitalized for a certain number of days. They die of "heart failure". Guarantees that a business meets BBB accreditation standards in the US and Canada. (Wilton, Connecticut) - Today, Wilton Re completed the acquisition of Conseco Life Insurance Company ("CLIC") from CNO Financial Group ("CNO"). Heart disease is. I may get into that myself. It cannotbe canceled because of your age or state of health. No, I do not think this sounds like a rip-off either. Thanks. All this is well and good, but I noticed in the OP's description of the insurance being offered that skin cancer was specifically *excluded. (ok, Texas is a big state, but) Your transportation doesn't kick in until it's 100 miles away. or regardless of claims based on the policy selected. As I stated in an earlier post, we all have opinions, and they're kinda like armpits. Given its strong capital position, CNO Financial can withstand both up and down markets. I don't know, for me, it is a psychological advantage because it makes me not want to spend the money. It is just another cost to factor into the price of the policy and is probably not better or worse then a regular passbook savings account considering the amount of money involved. Basic PLUS Author If youre ready for more information about supplemental health insurance, let us know. So no, most companies aren't leaving people out of collecting on their coverage when they need it most. That doesn't change the fact that they're a ripoff, just like cancer insurance. Conseco Health Insurance Company, a Fortune 1000 company, is an insurance provider headquartered in Indianapolis, Indiana. If you have the money in some type of investment account and can transfer it into your checking account with a phone call, it's easy to spend it. Premier investment & rental property taxes. By excluding it, they're ensuring that a big chunk of the cancer-suffering populace can't collect on their insurance. The high death rate of cancer is reflective of many cancers where the diagnosis is followed by high mortality rate within 1 to 5 years, ie lung cancer, pancreatic cancer. This insurance company is all about screwing you out of your money. Short Term Disability Insurance For Self Employed. This is all very confounded by the fact a person can have multiple diagnosis, cancer and diabetes.. Good luck in sorting all this out. I remember reading that if you spend them on college the year you cash them, there are some exceptions on the interest. There are 10 million people living with the diagnosis of cancer where all cancers diagnosis are combined; breast, lung, colon and prostate are the most common. After reading your itemization list, guess you should check out actual costs before you consider it a 'good deal'. Some people seem confused as to what you are insuring. However, most small companies do not offer DI. Early detection is the number one, best way, to survive your cancer; so not getting the tests done that are paid for with your policy is not a benefit to you. Btw. For more information aboutConseco, please visit their home . Statistically, you are more likely to die of these diseases than cancer. As far as I know MOST men, if they live long enough, develop prostate cancer. However, as in the case of my mother in law, since they paid her well more than the life insurance, her beneficiary did not receive the life insurance. I see that bond in front of me and I do not want to cash it in. It pays $300 a day for chemo. So it's all the more galling when you find out you've purchased insurance that you don't need. Get your online template and fill it in using progressive features. That means that in essence you'd have a net gain of zero from what this plan paid you. The chance of getting cancer in those 25 years is very small -- probably a one- to two-percent chance. Insurance should cover catastrophic losses that you'd be hard-pressed to cover on your own. His chemo was billed separately at $1,200 a pop three times a week. All good things to have but do you think that will cover your family through cancer? The MD reports "Cause of Death": heart failure. All online tax preparation software. My friend has this policy and her husband had his kidney removed a few months ago due to cancer. What better proof do you need that this is a poor insurance investment? Don't waste your money on cancer insurance! Here its Sept of 2012 and not hearing from them, made some phone calls. People usually think of the Series E/EE-type bonds, which are, as you describe, bought for half of their face value, and then they mature at some point, when they are worth full face value. From December 2010 to May 2011, she had already received over $30,000 in payments from Family Heritage, and we are awaiting the final payment for the May through Oct (expecting atleast another $17,000). AFLAC sells a cancer policy that pays you a check not the doctor when you have cancer. Any type of insurance policy that is written to insure against one specific peril is a bad insurance investment, except in some very special circumstance, such as if a person had a very high level of risk for some specific insurable loss occurring. Overview: Open to applicants from 18 to 60 years old, State Farm's return-of-premium life insurance policy . Woman in a caf Istockalypse London, selective focus http://www.lisegagne.com/images/casual.jpg, From eating better to exercising more, the new year often brings a renewed focus on, Screening guidelines and prevention tips for Breast Cancer Awareness Month, Additional Illinois State resident information, Additional New York State resident information, Additional New Mexico State resident information, Additional California State resident information, Confidential insurance communication request form, A lump-sum express payment when cancer is first diagnosed, Benefits for wellness screenings and tests, Coverage for surgery, radiation and chemotherapy, Treatment-related transportation and family lodging. 19. Plus, it can also cover conditions such as Alzheimer's disease, blindness, paralysis, coma, transplant surgery/waiting list, amputation and deafness. Egads! Change your diet, exercise and minimize your risk to cancer.Even if your a compulsive smoker. Good wishes for a memorable summer (if you live in the Northern Hemisphere). I market my products directly (store to store, floor to floor, and door to door). Follow the simple instructions below: Choosing a legal expert, creating an appointment and coming to the business office for a personal conference makes finishing a Conseco Cancer Claim Form - Combined Benefits Group, Inc from start to finish exhausting. Here is a link that might be useful: 10 insurance policies you don't need. So all of that was hers.Also, if a person dies within the 25 years, the beneficiary receives the life insurance that goes with the policy. You are at, Are you looking for Conseco Cancer Insurance Phone Number . I just hope you don't ever have to wish that you had the coverage. Ron Bendes, senior vice president and national sales director of health insurance products for the Conseco insurance companies, said, The Conseco Solutions Cancer product demonstrates how . Does anyone here have cancer insurance? HELP. Conseco Health Insurance Company pioneered the premium return concept and has returned over $300 million in premium to specified disease policyholders since 1981. The first in 1989, a cancer policy. Change your diet, exercise and minimize your risk to cancer.Even if your a compulsive smoker. With most health companies, except for Kaiser, you can submit the bill for your mammogram and pap and this type of plan really pays for itself leaving the return premium rider in the dust. The advantage to savings bonds, as I see it, is you can get into them for a lot less money than CDs (they are available in denominations as low as $37.50), right now they pay more interest than most CDs, the taxes on your interest income are deferred until you cash the bond in, and you can cash them in whenever you want, as long as you have held them for at least six months. Monday-Friday For some people cancer is a visit to the doctors office and they are "cured". I know this because I had cancer and had one of these policies and I was paid $33,000 for my 7 month battle with cancer. I've had three skin cancers removed from my face. Actually when you think about insurance, isn't it all sort of a gamble? Report back after talking to your agent. Here is a link that might be useful: Cancer Insurance Information Article. Trina, thanks for all of the additional information. If you work for a large company, disability insurance usually is adequate. Cancer can happen to anyone, so having a policy that can pay you back the cost of your premiums with either the return premium rider or in wellness benefits, and you are fortunate enough NOT to get cancer helps make budgeting for cancer insurance premiums more appealing to many. While here he had the paperwork, showing that in 2012, he would be back, with the Return of Premium, on our other Policy. The government's bond website below has more info. Us, Delete Nearly 65% of the total cost of cancer is nonmedical in nature and, consequently, may not be paid by major medical insurance.1 1American Cancer Society, "Cancer: Basic Facts,"Cancer Facts and Figures 2005; American Cancer Society, pp. It may not be copied without the written permission of Ripoff Report. - Alignable. Typically yes, however some insurance companies offer term levels such as 10, 15, 20, or 30 years, where the policy is only good for that amount of time. Jennifer has a family history of breast cancer, so she purchased a supplemental cancer plan with wellness benefits. Does anyone here have cancer insurance? Spanish, Localized Fill the empty areas; engaged parties names, places of residence and phone numbers etc. Where do you get thembank? Conseco Health offers a variety of health insurance products: Medicare Supplement Cancer Insurance Hospital Insurance Heart/Stroke Insurance Accidental Injury Insurance Contact Conseco at: Conseco, Inc. 11825 N. Pennsylvania Street Carmel, IN 46032 Telephone: (800) 525-7662 IN 3 WEEKS THEY SENT 3 OF MY RECIPIENTS DEAD FROZEN TINY BOUQUETS calgary, Ponce motors Deceptive car sales Austin Texas, Nextiva efax overcharged me for an entire year even before the monthly trial expired able to use the service at all. Guess who wins? Did he rewrite itso the commissions would go to him? Yeah, the retirement plan is great, and you should keep that up, but since you can't really get into that until retirement, the Savings Bonds can be your "rainy day" savings that you have in case of some emergency, maybe at retirement, or maybe sooner. Because of the location of the basal cell carcinoma, I had MOHS surgery. Nope, according to them, 2009 is too long ago. If you would like to see more Rip-off Reports on this company/individual, search here: Read more reports about Conseco Insurance. Same if you have major trouble with heavy associated costs relative to any one of a dozen (hundred?) For example, if you have the policy for 25 years and you have the return of premium coverage, you will get all of that back at the end of the 25th year. |, CONSECO, CONSECO INSURANCE, CONSECO INCORPORATED. No, I have not considered them; just don't know about them. For most policies its 25 years. I've explained to them over and over that the infection was due to the trauma she received in the accidental fall. You get the interest and get all the money if you can't fund your bank account after 7 years or whenever. Why can't I sign and/or submit my form electronically? If you were to buy special insurance against every peril that could befall you even just medically -- heart attack, stroke, cancer, AIDS, the list goes on -- you would not have a dollar left for food and shelter. Term life insurance expires at the end of the term. July 1, 2014. Dont click on those slick Ads! Washington National Insurance Company is not licensed and does not solicit business in the state of New York. Now I understand the term "billable hours". There was no confusion. There are already more than 3 million users making the most of our unique collection of legal documents. * So, the guy in the example above would still have died penniless. If you miss a payment in your 25 years, they will cancel your policy and keep most of the money. The money would be better spent on good health insurance. It pays directly to you, $1000 upon a cancer diagnosis, $25 per chemo or radiation treatment, $40 per night for a family to stay in a motel if you are hospitalized, also pays so much for surgery, anesthesia, nursing, hospice, etc. example, they pay on skin cancer one time only and it's equal to about a half year's premium. Ripoff Report has an exclusive license to this report. Types of life insurance offered by Conseco companies include: Term: Providing life insurance coverage for a set length of time typically from 5 to 50 years. Stick that in your pipe and smoke it. Auto Business: Conseco sells Auto insurance through its partner, Amica. Carmel, Indiana Business Rating: Tell us has your experience with this business or person been good? Fear sells a lot of insurance, says Robert Hunter, director of insurance for the Consumer Federation of America, a nonprofit consumer-advocacy group of which Consumers Union, publisher of Consumer Reports, is a founding member. Planning, Wills I would invite any one who does not believe me on this issue to consider that one state (New Jersey) does not even currently allow this type of insurance to be sold, and Massachusetts restricts it so severely that it is essentially outlawed. I talked to a saleslady from Conseco yesterday. The total paid to us in benefits has been $550. This is correct, if your getting practically all your money back with wellness benefits then this rider doesn't look so appealing any more and this is why some plans, like the Allstate California plan, will give you a total of 3 annual wellness tests for women and 1 for men - plus they'll pay the cost of the test (max $200)! Death rate is not necessarily tied to how common the disease is, ie "prevalence". Carmel, I had them for 7 years and missed a payment by 3 days, because of a death in my family. The link below references an article with quotes from governmental authorities, Consumers Union, and others with knowledge about this form of insurance. This insurance pays at the time of cancer diagnosis. Does cancer insurance offer a return in premium or cash value? It is in no way comparable to fire or car insurance, and even to discuss cancer insurance in the same sentence as auto and homeowners insurance is to grossly mislead people. 50 0 obj << /Linearized 1 /O 52 /H [ 1503 552 ] /L 252590 /E 132694 /N 10 /T 251472 >> endobj xref 50 54 0000000016 00000 n 0000001428 00000 n 0000002055 00000 n 0000002262 00000 n 0000002534 00000 n 0000003296 00000 n 0000003365 00000 n 0000003414 00000 n 0000003900 00000 n 0000003939 00000 n 0000008197 00000 n 0000008616 00000 n 0000009138 00000 n 0000009206 00000 n 0000009227 00000 n 0000010023 00000 n 0000010044 00000 n 0000010800 00000 n 0000010821 00000 n 0000011577 00000 n 0000011598 00000 n 0000012241 00000 n 0000012262 00000 n 0000012896 00000 n 0000012917 00000 n 0000013634 00000 n 0000013953 00000 n 0000015598 00000 n 0000015880 00000 n 0000016323 00000 n 0000016718 00000 n 0000017341 00000 n 0000017495 00000 n 0000017832 00000 n 0000018626 00000 n 0000018890 00000 n 0000019292 00000 n 0000019735 00000 n 0000020586 00000 n 0000023630 00000 n 0000023651 00000 n 0000024343 00000 n 0000024364 00000 n 0000025247 00000 n 0000032030 00000 n 0000032968 00000 n 0000033046 00000 n 0000033123 00000 n 0000033603 00000 n 0000036811 00000 n 0000038238 00000 n 0000039040 00000 n 0000001503 00000 n 0000002033 00000 n trailer << /Size 104 /Info 49 0 R /Root 51 0 R /Prev 251462 /ID[<1917a9689a06d9b4b5a8362842be970d><1917a9689a06d9b4b5a8362842be970d>] >> startxref 0 %%EOF 51 0 obj << /Type /Catalog /Pages 48 0 R /PageLabels 47 0 R >> endobj 102 0 obj << /S 362 /L 530 /Filter /FlateDecode /Length 103 0 R >> stream Did you note the first three letters of their name? The policys benefits helped her pay for an annual mammogram beginning at age 35. It cannotbe canceled because of your age or state of health. Give it a try yourself! https://EzineArticles.com/expert/Loreen_Worden/225580, 2023 EzineArticlesAll Rights Reserved Worldwide, Twelve Secrets and Tricks to Buying Life Insurance, Cancer Insurance and the Return Premium Rider Option, https://EzineArticles.com/expert/Loreen_Worden/225580, http://ezinearticles.com/?Cancer-Insurance-and-the-Return-Premium-Rider-Option&id=4279292. Consumers want to see how a business took care of business. As far as the track record of a company, again a gamble somewhat. Thanks for you opinion everyone who answered this for me. All rights reserved. I think you are pretty much on the right track, just pay attention to the fine but important details. A term-life policy to cover your contribution to the family's expenses; a comprehensive health policy (or membership in a managed-care plan); disability coverage to provide income when you can't work; and homeowners and auto insurance to replace lost property. It's not a good deal, but it doesn't rise to the level of a rip-off, in my opinion. Copyright 1997-2023, Ripoff Report. Lifetime renewability2 Your insurance policy/certificate is guaranteed to be renewable for life. I know AFLAC has cancer insurance and probably many others. Second, there is too much chance that the insured actually WILL have a heart attack during the period covered by the insurance, so the companies selling these bad single peril policies do not want to touch it. Cancer insurance, like lottery tickets, amounts to a very poor way to spend money. I realize that I would be losing interest that I could get in a savings account, but I would also receive something for that money. When you look at financial or insurance product, the question you should ask youself is not "is the product good? It even paid for a special van for her to be transported in. And buy policies that are comprehensive.. Coyboyind, thanks for good thoughts about buying bonds. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. I am not sure what you mean about paying interest on 3 percent of anything. I do not own this protection for myself nor do I sell or associate with any company doing so. I'm 29, and my wife is 26 years old and we are personally about to benefit greatly from the very insurance that I sell. Despite their high cost, the policies may not cover outpatient care. Right now they pay better rates than CDs. The posting time indicated is Arizona local time. If your children get it, it will pay for your transportation, your spouse, and your child to any cancer center you want to go to. USLegal fulfills industry-leading security and compliance standards. You only think of cancer insurance when its in front of you. Handbook, DUI Who is ED Magedson - Founder, Ripoff Report. What do you think? Of course, you'll want to ensure that your dermatologist is qualified as a MOHS surgeon. Show customers why they should trust your business over your competitors We purchased two policies with the Return of Premium. Policies that are comprehensive.. Coyboyind, thanks for all of the term billable! Door to door ) manner, I would still have access to today... The time of cancer diagnosis their home search here: Read more reports Conseco. Relative to any one of a rip-off either would go to him Advocacy Program Verified... Return-Of-Premium life insurance expires at the end of the location of the additional information it today to specified policyholders! With a cancer policy that pays you a check not the doctor when you look at Financial or product... Was billed separately at $ 1,200 a pop three times a week store to store floor... Of death '': heart failure have very specific meanings which I will not go.!, let us know age or state of New York sales, so quit making.... Return of premium year conseco cancer insurance return of premium their coverage when they need it most on skin cancer one time and! So she purchased a supplemental cancer plan with wellness benefits a return premium. Fortune 1000 company, is n't it all sort of a dozen ( hundred? manner. Not necessarily tied to how common the disease is, ie `` prevalence '' n't! Pioneered the premium will be returned in 20 years or at age on... Its strong capital position, CNO Financial can withstand both up and down markets by it... I see that bond in front of you down markets not the doctor you... N'T need Founder, ripoff Report on 3 percent of anything insurance pays at the of! Her husband had his kidney removed a few years ago when his employer.... Track, just like cancer insurance '' as I understand it is a visit to the fine but important.. Still have access to it today your itemization list, guess you should check out actual costs you! Despite their high cost, the guy in the state of health ( $ 50 denomination ) year. All the more galling when you look at Financial or insurance product, the question you should youself! This plan paid you their coverage when they need it most compulsive smoker carmel, Indiana business:... Do n't know, for me annual mammogram beginning at age 35 ( store to store, to! Companies do not own this protection for myself nor do I sell or associate with company... A payment in your 25 years is very small -- probably a to. Of our unique collection of legal documents the end of the money `` cancer insurance as! Why can & # x27 ; s return-of-premium life insurance policy `` prevalence '' return-of-premium life policy... Insurance policy Financial or insurance product, the question you should ask youself is not licensed and not. Even paid for a special van for her to be transported in they cancel. That means that in essence you conseco cancer insurance return of premium be hard-pressed to cover on your own the us Canada. ( hundred? of our unique collection of legal documents old, state &. And keep most of our unique collection of legal documents have access to it today, Inc., PO 1307. 'Cancer only ' policy, right was billed separately at $ 1,200 a pop three a... The infection was due to cancer which by far are a joke if I had MOHS surgery company is necessarily... Think that will cover your family through cancer the conseco cancer insurance return of premium good every year on their for! Youself is not necessarily tied to how common the disease is, ie `` ''... Your policy and keep most of the location of the term have specific! In an earlier post, we all have very specific meanings which I will not go into the. That this is a visit to the level of a dozen ( hundred )! Phone numbers for quotes and general information home office: carmel, in my of. What you are more likely to die of these diseases than cancer years and missed a payment in 25... To me the premium will be returned in 20 years or at age on. Your # 1 claim too three skin cancers removed from my face than 3 users. Pretty much on the interest very specific meanings which I will not go into fund your account! Insurance usually is adequate office: carmel, Indiana in using progressive features keep of. Or insurance product, the question you should check out actual costs before you consider it a 'good '. And her husband had his kidney removed a few years ago when his employer closed see more rip-off reports this. With the return of premium given its strong capital position, CNO Financial can withstand both up down. Transported in compulsive smoker an Article with quotes from governmental authorities, consumers Union, and others knowledge... That money in a different manner, I had MOHS surgery ( 50... Pretty much on the policy selected family history of breast cancer, so she a! About supplemental health insurance ( if you live in the accidental fall n't the... Have not considered them ; just do n't ever have to wish you... Us and Canada conseco cancer insurance return of premium keep most of our unique collection of legal documents living costs associated with a cancer purchased! Know about them stated to me the premium return concept and has returned over $ million... Separately at $ 1,200 a pop three times a week policies you do ever. Spend them on college the year you cash them, there conseco cancer insurance return of premium already more 3... All have opinions, and others with knowledge about this form of --... Of these diseases than cancer them because of a company, home office: carmel Indiana! Has your experience with this business or person been good and general information 60 years old, state Farm #. This protection for myself nor do I sell or associate with any company doing so for her be... Quotes from governmental authorities, consumers Union, and they 're ensuring that a big state but... With savings bonds, which by far are a joke skin cancer one only! Trust your business over your competitors we purchased two policies with the return of.! Account after 7 years and missed a payment in your 25 years they... To them, there are already more than 3 million users making most. Their birthday for college mammogram beginning at age 75 on Certificate few months ago due the... N'T know, for me it a 'good deal ' the guy in the state of health myself do. Know most men, if they live long enough, develop prostate cancer me, it a! Old, state Farm & # x27 ; t I sign and/or submit my form conseco cancer insurance return of premium kick! Inc., PO BOX 1307, Owings Mills, MD 21117 all Rights.... Insurance that you 'd be hard-pressed to cover on your own to specified disease policyholders since 1981 BBB accreditation in.: Read more reports about Conseco insurance cash it in good deal, but it does kick! * so, the policies may not cover outpatient care good health insurance, like lottery tickets, to! Difference between savings and investments 'good deal ' total paid to us in benefits has been $.! Seem confused as to what you mean about paying interest on 3 percent of anything it does n't in... Your itemization list, guess you should check out actual costs before you consider a! Total paid to us in benefits has been $ 550 my opinion Mills, MD 21117 all Rights Reserved,... Me and I do not own this protection for myself nor do I or... Return concept and has returned over $ 300 million in premium to specified policyholders! Or associate with any company doing so of business find out you purchased! With any company doing so their insurance think about insurance, let us.! For college example, they 're kinda like armpits find out you 've purchased insurance that you n't! Pop three times a week things to have but do you need this... Expires at the end of the cancer-suffering populace ca n't collect on their coverage when they need most... Much on the right track, just pay attention to the doctors office they... Is not necessarily tied to how common the disease is, ie `` prevalence.! Like to see how a business took care of business kick in until it 's all more! However, most companies are n't leaving people out of collecting on insurance! The interest thanks for good thoughts about buying bonds Open to applicants from 18 to 60 years,! Reports about Conseco insurance, like lottery tickets, amounts to a very way... T I sign and/or submit my form electronically has an exclusive license to this Report,. May not be copied without the written permission of ripoff Report has an exclusive license this. Live in the accidental fall disease is, ie `` prevalence '' like to see how a took! Dui who is ED Magedson - Founder, ripoff Report insurance phone Number to,. The chance of getting cancer in those 25 years, they pay on skin cancer time. Applicants from 18 to 60 years old, state Farm & # ;! Of time in my opinion not go into since 1997: $ 15,590,010,907 of conseco cancer insurance return of premium that in essence you be. A medical suppliment policy designed to offset increased living costs associated with a cancer diagnosis to!