A78000 SERIES, CANCER CARE

In Arkansas, Policies A78100AR-A78400AR. In Idaho, Policies A78100ID–A78400ID. In New York, Policies NY78100–NY78400. In Oklahoma, Policies A78100OK–A78400OK. In Oregon, Policies A78100OR–A78400OR. In Pennsylvania, Policies A78100PA–A78400PA. In Texas, Policies A78100TX–A78400TX. This is a brief product overview only. Coverage may not be available in all states including but not limited to Virginia. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.

Limitations and Exclusions for residents of Arizona:

We pay only for treatment of Cancer and Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); complications of either Cancer or an Associated Cancerous Condition; or any other disease, sickness, or incapacity. The Initial Diagnosis Benefit is not payable for: 

1. any Internal Cancer or Associated Cancerous Condition diagnosed or treated before the Effective Date of the policy and the subsequent recurrence, extension, or metastatic spread of such Internal Cancer or Associated Cancerous Condition; or
2. the diagnosis of Nonmelanoma Skin Cancer. Any Covered Person who has had a previous diagnosis of Internal Cancer or an Associated Cancerous Condition will NOT be eligible for an Initial Diagnosis Benefit under the policy for a recurrence, extension, or metastatic spread of that same Internal Cancer or Associated Cancerous Condition. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment.

Limitations and Exclusions for residents of Idaho:

We pay only for treatment of Cancer, Associated Cancerous Conditions, or other conditions or diseases directly caused, complicated or aggravated by or resulting from Cancer or an Associated Cancerous Condition, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity. The policy contains a 30-day waiting period. If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before his or her coverage has been in force 30 days, benefits for treatment of that Cancer or Associated Cancerous Condition will apply only to treatment occurring on or after 31 days from the Effective Date of such person’s coverage. At your option, you may elect to void the coverage and receive a full refund of premium. The Initial Diagnosis Benefit is not payable for: 

1. Internal Cancer or an Associated Cancerous Condition diagnosed during the policy's 30-day waiting period;
2. the diagnosis of Nonmelanoma Skin Cancer; or
3. claims incurred prior to the Effective Date of the policy.  A claim for the Initial Diagnosis Benefit is considered incurred on the date the tissue specimen, culture, and/or titer is taken upon which the original distinct diagnosis of Internal Cancer or Associated Cancerous Condition is based.

Limitations and Exclusions for residents of New Jersey:

We pay only for treatment of Cancer and Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered) or complications of any other disease, sickness, or incapacity. The Initial Diagnosis Benefit is not payable for the diagnosis of Nonmelanoma Skin Cancer. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment.

Diagnostic - X-ray (1 Chest): $112.00
Source: https://healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=137&g=X-Ray%3a+Chest.

Diagnostic - Bronchoscopy (1 with biopsy): $4,928.00
Source: https://healthcarebluebook.com/page_ProcedureDetails.aspx?cftid=363&g=Bronchoscopy&directsearch=true.

treatment - Lung Surgery (with tissue Removal) (1): $22,611.50
Source: https://healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=682&g=Lung+Surgery+(tissue+removal).

Treatment - Chemotherapy (intravenous chemotherapy costs typically include the doctor fee, drug administration fee, drug cost and possibly facility fee, depending on how it is administered.) (1): $105,000.00
Source: http://health.costhelper.com/chemo.html.

Treatment - Radiation (1): $30,000.00
Source: https://healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=172&g=Radiation+Therapy.

Follow Up - Follow up visit (104 visits): $427.00 ea.
Source: https://healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=226&g=Office+Visit%2c+Established+Patient+(~25+min.).

Total Cost: $207,059.00

Assumes Stage 2 lung cancer, multiple rounds of chemotherapy and recovery time on a yearly basis.