Cancer Insurance
Our Precision Care™ Cancer Insurance goes beyond conventional coverage, providing essential cash payments and granting you access to TGen’s world-class genomic sequencing. This comprehensive approach is designed to enhance your chances of overcoming a cancer diagnosis.
What is Supplemental Cancer Insurance?
Supplemental Cancer Insurance, like Precision Care™ is tailored to assist policyholders navigating a cancer diagnosis. It ensures access to innovative treatments not typically covered by other insurances. Precision Care™ connects policyholders with TGen’s top-tier Cancer Physicians and advanced genomic sequencing services, while providing cash to cover the expenses associated with these services and the high costs of today’s specialized cancer treatments.
How does Genome Sequencing work?
Biopsy Stage:
A biopsy is conducted on your tumor, isolating tissue and blood for DNA sequencing in TGen’s advanced laboratories.
Genetic Profile Analysis:
Utilizing cutting-edge equipment, the sequenced genetic profile is examined for abnormalities dictating the tumor’s functions.
Abnormalities Assessment:
The identified abnormalities are thoroughly analyzed to determine if they correspond to known mutations. This exploration may reveal treatment options not previously considered.
Treatment Recommendations:
If a match is identified, healthcare professionals can leverage these findings to propose targeted treatments that have historically demonstrated effectiveness against similar mutations.
Why do I need Supplemental Cancer Insurance from GTL?
As cancer treatments advance, many breakthroughs aren’t covered by traditional health insurance or Medicare, often requiring strict adherence to Medicare guidelines. Rising out-of-pocket expenses, like co-payments and deductibles, can be overwhelming and catch people unprepared for the financial challenges that come with a cancer diagnosis.
Precision Care™ Cancer Insurance, coupled with TGen’s genomic services and consultations, provides unique advantages not found in other cancer insurance plans. By covering essential costs such as deductibles and co-payments, this specialized coverage helps alleviate financial stress, allowing you to concentrate on recovery. TGen’s exclusive genomic services offer personalized insights, ensuring tailored support. This comprehensive approach delivers unparalleled peace of mind, blending financial readiness with cutting-edge resources for a confident journey through cancer.
Precision Care’s Unique Benefits Can Help Offer You:
Groundbreaking Research and Advanced Technology
Highly Precise and Individualized Plan of Care
Consultations with a TGen Oncologist
Cash to Help Cover High Out-of-Pocket Expenses
Child Coverage
Return of Premium Options
3 Things to Know…
- You and your doctor will have access to one-on-one consultations with TGen oncology experts to help make sense of your sequencing results and treatment recommendations.
- Experimental Treatment and In-Situ Benefits included.
- TGen examines 19,000 genes, vs the average 400 genes analyzed by competitors.
Additional Benefit Riders Available to You
Cancer Benefit Builder Rider
Return of Premium Rider
Child Coverage Rider
Who is TGen?
TGen, the Translational Genomics Research Institute, is an affiliate of City of Hope and is a nonprofit medical research institute. TGen conducts groundbreaking research that unravels the genetic components of common and complex diseases for life-changing results.
TGen physicians will work one-on-one with you and your physician to:
- Help you understand your sequencing results.
- Review your treatment options.
- Give your oncologist information to help your recovery.
Who Do You Have Your Cancer Insurance With? Wouldn’t You Want the Best Shot at Beating Cancer if it Ever Happens to You?
See how GTL’s Precision Care™ insurance and TGen’s genomic sequecing help Sue find the best shot at beating cancer.
Meet Sue
(A hypothetical example)
- Sue is a 58 year old who purchased a Precision Care™ Insurance Policy from GTL with cutting edge TGen genomic sequencing benefits. Sue is later diagnosed with cancer and she files a claim with GTL
- Upon approval, GTL pays Sue a lump sum benefit of $50,000 to help her financially during her recovery
- MOST CANCER PLANS STOP HERE.
- PRECISION CARE™ IS JUST GETTING STARTED.
- TGen contact’s Sue’s oncologist to coordinate biopsy shipment and genomic sequencing at TGen’s research laboratories
- TGen’s world renowned genomic sequencing test analyze 19,000 genes to unravel the genetic composition of Sue’s tumor
- TGen oncology experts explain the results to Sue and her oncologist and provide treatment recommendations based on her unique markers in her tumor and healthy cells
- Sue and her oncologist now have the best information they can use to decide the best course of treatment specifically for her
- Sue’s Precision Care policy from GTL pays TGen for the genomic sequencing tests and physician consultation
Great News!
Sue now has $50,000 from GTL to cover her deductibles and out-of-pocket costs and priceless information about her cancer from TGen.
Sue is a 58 year old who purchased a Precision Care™ Insurance Policy from GTL with cutting edge TGen genomic sequencing benefits. Sue is later diagnosed with cancer and she files a claim with GTL.
Upon approval, GTL pays Sue a lump sum benefit of $50,000 to help her financially during her recovery.
MOST CANCER PLANS STOP HERE.
PRECISION CARE™ IS JUST GETTING STARTED.
TGen contact’s Sue’s oncologist to coordinate biopsy shipment and genomic sequencing at TGen’s research laboratories.
TGen’s world renowned genomic sequencing test analyze 19,000 genes to unravel the genetic composition of Sue’s tumor.
TGen oncology experts explain the results to Sue and her oncologist and provide treatment recommendations based on her unique markers in her tumor and healthy cells.
Sue and her oncologist now have the best information they can use to decide the best course of treatment specifically for her.
Sue’s Precision Care policy from GTL pays TGen for the genomic sequencing tests and physician consultation.
Great News!
Sue now has $50,000 from GTL to cover her deductibles and out-of-pocket costs and priceless information about her cancer from TGen.
You shouldn’t have to worry about covering out-of-pocket medical expenses…
We’ll help connect you with a GTL agent to get covered!
By submitting this information, you agree that GTL and its agents may contact you. Your contact information will be kept confidential.
Frequently Asked Questions about Cancer Insurance
How do I file a claim for my Precision Care policy?
Please find the Precision Care Cancer claim form here. Print and complete the form and return it with the required documentation to the address noted on the first page of the form. If you are a policyholder, claim forms can also be found under the My Account tab in GTL's Customer Portal.
Do I need an existing healthcare plan to purchase a Precision Care policy?
There is no requirement of owning any other type of health insurance coverage to purchase GTL's Precision Care policy.
Can I apply for this coverage if I was already diagnosed with cancer?
Unfortunately, coverage is not available if you are currently or recently diagnosed with cancer. However, if you have been in remission for over 5 years without treatment, you may qualify for this coverage.
What is genomic sequencing?
Your genome is the complete set of your DNA. It is your blueprint. It's your personal set of instructions for what makes you unique. Genomic sequencing provides TGen's experts your complete genetic code, which is sorted and studied. Sequencing can be used as a medical tool that unlocks the power of your genome to help create treatment plans that are much more precise and individualized.
Genome sequencing:
- Analyzes a patient's tumor "fingerprint" to see if there are therapies that have worked well before.
- Allows the oncologist to match each patient with the best treatment based upon the underlying biology of your specific cancer.
- Makes medicine more rational, personal, and precise by identifying molecular targets before treating the cancer.
- Identifies whether targeted drugs that support your own immune system's abilities to fight cancer could be beneficial to you.
Is it possible to receive a second lump sum benefit if diagnosed with cancer again?
No, the lump sum cancer benefit amount is only payable once.
What is Cancer In Situ?
Cancer in situ or stage 0 cancer is early stage cancer that is defined as "in place" and which has not spread beyond the tissue type, mucosal layer, lining, duct or cellular layer in which it originated.
Precision Care offers 25% of the lump sum benefit for the in situ diagnosis.
What is considered experimental treatment for the additional 25% lump sum benefit?
Receive an additional benefit of 25 percent of your chosen lump sum amount should you undergo a qualifying experimental treatment that has been approved or endorsed by the US. Food and Drug Administration or the National Institute of Health while being treated for cancer.
Additionally, your Precision Care policy will pay you 25% of your Lump Sum amount should you be diagnosed with Cancer In Situ.
Do I have to do genomic sequencing through TGEN?
We encourage policyholders to use TGEN's benefit but if genomic sequencing is done by another organization, then there is a $6,500 lump sum one time benefit paid to the policyholder.
This product and its features are subject to state availability and variability. The Policy has exclusions, limitations, reductions of benefits and terms under which the Policy may be continued in force or discontinued. For cost and complete details of coverage, please contact us or your agent. Please call the Life and Health Sales Department at 1-800-323-6907 for complete details. Click here to view product disclosures.
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