FAQ
Plain answers to common questions. The policy always controls, so ask Matt to show you the exact wording.
or call Matt: 704-802-2523 · text 704-237-0754
Free, no obligation
Hi, I'm Matt Matthew MacMillan, Licensed Agent · NPN 19951695This is a limited benefit policy for specified disease (cancer). It is supplemental, specified-disease indemnity insurance, not major medical coverage, and does not replace comprehensive health insurance. Policies typically include a waiting period (for example, 30 days after the effective date) before a diagnosis is covered, pre-existing condition limitations, and specific exclusions or reduced benefits (such as certain non-melanoma skin cancers or carcinoma in situ). See the policy for full details.
Important: Cancer insurance is a limited-benefit, specified-disease supplemental policy. It is not major medical insurance and does not replace health insurance or Medicare. Benefits, waiting periods, limitations, exclusions and availability vary by carrier and state.
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Not connected with or endorsed by the U.S. government or the federal Medicare program.
Applications usually ask about prior cancer. A history can make you ineligible or be excluded, depending on the carrier and how long ago it was.
Most cancer plans have a waiting period after the policy starts, and a diagnosis during it usually isn't covered. Length varies by plan and state.
Conditions other than cancer generally matter less on a cancer-only policy, but read the application and policy.
Generally yes. It's an individual policy separate from your health coverage. Many are guaranteed renewable while you pay premiums; check the renewability provision.
They can if the carrier gets approval for a rate change for a whole class of policyholders, not because you filed a claim.
Lump-sum benefits are often paid once per lifetime unless there's a recurrence benefit. Treatment benefits may pay repeatedly up to limits.
Paid to you unless assigned, after a claim with a diagnosis from a physician, typically a pathology report.
Tax treatment varies. Talk to a tax professional.
Yes. Many states also give a free-look period after purchase to cancel for a refund. Check your policy.
Use the short form, call 704-802-2523 or text 704-237-0754.
Email: matt@themacmillanagency.com
Important: Cancer insurance is supplemental coverage that pays benefits for covered diagnoses. It does not replace comprehensive medical coverage. Benefits, limitations and waiting periods vary by plan. This is a solicitation for insurance. By responding you will be contacted by a licensed insurance agent. The MacMillan Agency is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any state agency. Cancer insurance is supplemental coverage and is not a substitute for major medical coverage, and it does not satisfy the requirement for minimum essential coverage. Plans, benefits, limitations, exclusions and availability vary by state and carrier. Benefit amounts depend on the plan selected. Licensed in AL, AZ, DE, DC, FL, GA, IL, IN, LA, MD, MI, NJ, NC, OH, PA, SC, TN, TX, UT, VA, WA.
