What we offer Advice & Guidance Get to know us Connect with us Login & Register Cancer Insurance Cancer insurance helps ease the financial burden while you heal Every year, more and more people are diagnosed with cancer. Unfortunately, in addition to bearing the physical and emotional toll of this disease, patients are often saddled with financial burdens when medical insurance falls short or income is compromised. If you're diagnosed with cancer, the last thing you need is to think about the cost. Learn how cancer insurance can help ease the financial burden. Who is cancer insurance for? Cancer insurance is for people who want to add financial protection in addition to their health insurance, just in case they are diagnosed with cancer and medical insurance alone may not be enough to cover their expenses. What does cancer insurance cover? Cancer insurance can help you handle medical plan deductibles, co-pays and other out-of-pocket costs; non-medical expenses such as transportation to treatment facilities; even everyday living expenses such as groceries, rent and mortgage payments. Why should I consider cancer insurance? The unexpected out-of-pocket expenses of cancer recovery, such as transportation to chemotherapy, copays, and deductibles, can add up fast. What's more, two thirds of cancer recovery costs are non-medical, such as covering the mortgage, child care, and other household expenses. Cancer insurance can help you pay for all of these expenses. The Benefits of Cancer Insurance 1:29 Have Guardian cancer insurance? Let’s help you find what you need. Forms Login to your account Need more information? Here are resources to help you learn and compare. Managing higher out of pocket medical costs How supplemental health insurance works Benefits enrollment preparation Disclaimer Guardian's Cancer Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy Form number #GP-1-CAN-IC-12 et al. GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America® This advertising content is not currently intended for anyone in the state of Wyoming. WY Cancer Insurance Disclosure: Right to Return: If you are not satisfied, you may return the certificate within 30 days after receipt. The amount of premium you have paid will be refunded provided no claim has been incurred during the 30-day period. Your certificate will then be void, as though you had never applied for the insurance. Proof of Insurability: If your plan requires proof of insurability, it will be shown in the schedule of insurance. Your coverage may not become effective until you submit proof of insurability to us. Benefit Waiting Period: If your plan has a benefit waiting period, it will be shown in the schedule of insurance. This period starts on the date you are first covered by the plan. We do not pay benefits for cancer that is diagnosed during the benefit waiting period. Pre-Existing Conditions: If your plan has a pre-existing condition limitation, it will be shown in your certificate. A pre-existing condition is a cancer, whether diagnosed or misdiagnosed, for which in the 90 days before you become covered by this plan, you: (1) received advice or treatment from a doctor; (2) underwent diagnostic procedures; (3) were prescribed or took prescription drugs; or (4) received other medical care or treatment, including consultation with a doctor. This plan will not pay benefits for cancer that is caused by, or results from, a pre-existing condition if the cancer occurs during the first 12 months that you are covered by this plan. Exclusions: This plan will not pay benefits for the following: services or treatment not included in the schedule of insurance; services or treatment provided by a family member; services or treatment provided primarily for cosmetic purposes; services or treatment for premalignant conditions; services or treatment for conditions with malignant potential; services or treatment for non-cancer sicknesses; cancer caused by, contributed to by, or resulting from: (1) participating in a felony, riot or insurrection; (2) intentionally causing a self-inflicted injury; (3) committing or attempting to commit suicide while sane or insane; (4) your mental or emotional disorder, alcoholism or drug addiction; or (5) engaging in any illegal activity; or (6) serving in the armed forces or any auxiliary unit of the armed forces of any country; cancer arising from war or act of war, even if war is not declared. Benefits: Your plan may include the following benefits: air ambulance; alternative care (palliative care or Lifestyle benefits); ambulance; anesthesia; anti-nausea medication; attending doctor; blood, plasma and platelets; bone marrow and stem cells; cancer screening, cancer screening follow-up; experimental treatment; extended care facility/skilled nursing care; government or charity hospital; home health care; hormone therapy; hospital confinement; immunotherapy; intensive care unit confinement; inpatient special nursing; medical imaging; outpatient and family member lodging; outpatient or ambulatory surgical center; physical or speech therapy; prosthetic devices; radiation therapy and chemotherapy; reconstructive surgery; reproductive benefits; second surgical opinion; skin cancer; surgical benefits; and transportation/companion transportation. The benefits, exclusions, and limitations listed above do not constitute a contract and are a summary. The full plan description, including the benefits and all terms, limitations and exclusions that apply will be contained in your certificate of coverage. The plan documents are the final arbiter of coverage. Coverage terms may vary by state and employer-sponsored plan. 2020-109706 20220930 Customer Service Contact Us 1-888-Guardian (1-888-482-7342) Submit a Claim Resources Forms & Claims Find a dental or vision provider Find a financial representative Industry Professionals Find a Guardian benefits sales office Broker quote request New case implementation tracker Living Balance Sheet Terms & conditions Privacy policy Disclosures Data security Accessibility Telehealth NY Reg. 200 Confidentiality for domestic violence victims SEC Rule 606 Amendments to Broker Agreement State Disaster Updates Agreement to conduct business electronically © 2021, The Guardian Life Insurance Company of America, New York, NY. All rights reserved.