Critical Illness - moose

Critical Ilness Header Banner

Background Image

Critical Ilness Plan Icon Header

Critical Illness Insurance

Help protect your financial wellness from unexpected medical expenses.

Lock in extra insurance protection to help cover costs if you are diagnosed with a critical condition with a plan offered exclusively to Moose families.

It’s a smart way to help fill the gaps not covered by your medical plan so you can focus on your recovery.

Sign Up Now

Nested Applications

Critical Ilness Tabbed Product Details

OVERVIEW

You’re all about community service.   Don’t let the unexpected interrupt your work.

Unmistakably there’s a common kinship within our fraternal organization. As dedicated members of the Moose, you put the needs of others facing hardship first. But “self-care” is important too. It enables you to keep your life on track and continue to do the things that are important to you.

Self-Serve

We all learned recently that sometimes life can throw you a curveball. A serious illness can derail your plans and really impact your financial future. But members can take an important step toward helping protect their financial wellness after being diagnosed with a critical condition.

Critical Illness (CI) Insurance* is available to you as a benefit of your Moose membership. Benefits of this coverage include:

  • It helps fill the gaps not covered by your medical plan.
  • It pays in addition to other insurance you may have, giving you extra financial support to help pay for expenses.
  • Benefit payments are sent directly to you, and you decide how to spend it.
  • Payments could help you pay deductibles and co-pays, or household bills, and even groceries.

Critical Illness coverage can help pay for out-of-pocket medical and non-medical expenses, so you'll have less financial stress while recovering. CI coverage can help to pay costs of care and treatment not covered by health insurance. It can also assist with normal routine expenses such as mortgage, rent payments, and child care costs. Most importantly, you always determine the best use of the funds.

Approval for benefit payment is dependent upon proof of first incidence of diagnosis after the effective date of coverage. Benefits are paid as a lump sum based on the elected coverage amount at the time the claim has been approved.

Critical Illness Insurance, issued by The Prudential Insurance Company of America, is available to you at affordable, age-banded rates.

 

Common Conditions Covered**:

  • Invasive cancer
  • Heart attack
  • Major organ failure
  • Stroke
  • Cancer in situ
  • Renal Failure
  • Alzheimer’s disease
  • Severe coronary artery disease
  • Coma

 

*This product is not available in all states.

**Critical Illness Insurance covers specified critical illnesses. Check your booklet-certificate for details.

This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage.

Group Critical Illness Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Critical Illness Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 114774.

 

1048534-00001-00

 

309866; 0118

Critical Illness Insurance helps protect your financial wellness

 

Life is unpredictable. Sometimes folks get sick. Critical Illness (CI) Insurance can help pay for out-of-pocket medical and non-medical expenses if you become ill so you'll have less financial stress while recovering.

A common misconception is that medical insurance alone would be sufficient protection to cover expenses associated with the treatment of a critical illness. But your current coverage may not cover everything. CI coverage pays in addition to other insurance you may have, giving you extra financial support to help pay for out-of-pocket medical and non-medical expenses.

Benefits are paid as a lump sum and are sent directly to you. You decide how to spend it.

Common conditions covered include: invasive cancer, heart attack, major organ failure,

stroke, cancer in situ, renal failure, Alzheimer’s disease, severe coronary artery disease, and

coma.

CI coverage is available to you at affordable, age-banded rates as a benefit of your MooseVIP membership.

 

Conditions Covered:

  • Invasive cancer
  • Heart attack
  • Major organ failure
  • Stroke
  • Cancer in situ
  • Renal failure
  • Alzheimer’s disease
  • Severe coronary artery disease
  • Coma
  • Paralysis of limbs
  • Third degree burns
  • Benign brain tumor
  • Sickle cell anemia (for children)
  • Cerebral palsy (for children)
  • Muscular Dystrophy
  • Skin cancer

CRITICAL ILLNESS INSURANCE HIGHLIGHTS:

  • It helps fill the gaps not covered by your medical plan.
  • It pays in addition to other insurance you may have, giving you extra financial support to help pay for expenses.
  • Benefit payments are sent directly to you, and you decide how to spend it.
  • Payments could help you pay deductibles and co-pays, or household bills, and even groceries.

 

309866; 0118

This chart reflects monthly premium costs for Critical Illness Insurance coverage for members and their spouse.

Member Age Member Coverage Amount Member Monthly Premium Spouse Age Spouse Coverage Amount Spouse Monthly Premium
18-24 $10,000 $1.76 18-24 $5,000 $1.04
25-29 $10,000 $2.49 25-29 $5,000 $1.44
30-34 $10,000 $3.27 30-34 $5,000 $1.92
35-39 $10,000 $5.15 35-39 $5,000 $2.90
40-44 $10,000 $7.44 40-44 $5,000 $4.15
45-49 $10,000 $12.25 45-49 $5,000 $6.62
50-54 $10,000 $18.31 50-54 $5,000 $9.62
55-59 $10,000 $27.80 55-59 $5,000 $14.02
60-64 $10,000 $38.54 60-64 $5,000 $18.97

 

 

"You will be billed monthly. Rates do not include a $3.50 administrative fee per premium payment for direct bill payment, or a $3.00 administrative fee per premium payment for credit card payments, or a $1.25 administrative fee per premium payment for automatic bank deduction. Rates increase when you enter a higher age category as shown above. Rates and/or benefits may be changed on a class basis."

309866; 0118

Curious about Critical Illness Coverage?

 

Critical Illness (CI) Insurance can help pay for out-of-pocket medical and non-medical expenses, so you'll have less financial stress while recovering. CI coverage is available to you as a benefit of your Moose VIP membership.

Listed below are some common questions about CI coverage:

 

Why should I get Critical Illness Insurance? 

Critical Illness coverage can help pay for out-of-pocket medical and non-medical expenses, so you'll have less financial stress while recovering. CI coverage can help to pay costs of care and treatment not covered by health insurance. Benefit payments can help pay deductibles and co-pays, or household bills, and even take-out food.

 

But what happens if I already have insurance coverage?

Critical Illness Insurance pays in addition to other insurance you may have, giving you extra financial support to help pay for expenses.

 

How important is it to have additional insurance?

Your current coverage may not cover everything.  A common misconception is that medical insurance alone would be sufficient protection to cover expenses associated with the treatment of a critical illness. Consider the following:

  • Americans borrowed $88 billion for medical costs in 2018.1
  • 63% have used up most or all their savings to pay medical bills.2
  • 42% took an extra job or worked more hours to pay medical bills.2

 

How does CI Insurance work?

Approval for benefit payment is dependent upon proof of first incidence of diagnosis after the effective date of coverage. Benefits are paid as a lump sum based on the elected coverage amount at the time the claim has been approved.

 

How do I receive my payment?

Benefit payments are sent directly to you.  You decide how to spend it.

 

What kinds of illnesses are covered*?

Common conditions covered include: invasive cancer, heart attack, major organ failure,

stroke, cancer in situ, renal failure, Alzheimer’s disease, severe coronary artery disease, and

coma.

 

How do I sign up for Critical Illness Insurance?

Signing up for CI coverage is quick and easy! It only takes a few minutes to complete the form and there’s no pesky medical questions to answer.

 

 

 

1 Prudential, 2017 Financial Wellness Study. Based on a survey of full-time employees who have medical insurance; therefore, the results may appear higher than comparisons to national averages.

2 Prudential/Phoenix Institutional Study of Group Insurance Brokers, 2017.

*Critical Illness Insurance covers specified critical illnesses. Check your booklet-certificate for details.

309866; 0118

Please Read Regarding the CI Insurance Limitations issued by The Prudential Insurance Company of America

 

If Applicable:
• Heart Attack does not include:
(1) heart attack that occurs during a surgical procedure;
(2) other acute coronary syndromes, including but not limited to 
angina; or
(3) heart attack due to either alcohol or drug abuse.


• The following are not Invasive Cancer:
(1) All cancers which are histologically classified as any of the 
following: pre-malignant, noninvasive, cancer in situ, borderline 
malignancy or low potential malignancy;

(2) All tumors of the prostate unless histologically classified as
having a Gleason score of 7 or greater or having progressed to
at least clinical TNM classification T2N0M0;
(3) Chronic lymphocytic leukemia unless histologically classified as 
having progressed to at least Rai Stage II or above
(4) Any skin cancer other than malignant melanoma; or
(5) Malignant melanomas classified as T1N0M0, for which a pathology report shows maximum thickness less than or equal to 1.0 millimeters using the Breslow method of determining tumor thickness.
▪ Major Organ Failure is defined as the irreversible failure of a Major Organ due to an illness and those failures are: End-stage Heart Disease, End-stage Liver Disease, End-stage Lung Disease, Total Pancreas Failure or Severe Bone Marrow Failure. Major Organs include Heart, Liver, Lung, Pancreas or Bone Marrow.

Failure of more than one Major Organ is considered a single Major Organ Failure for the purpose of determining benefits under this critical illness plan. It does not include the transplant of any other organs, parts of organs, stem cells, tissues or cells.

▪ Liver Failure does not include disease due to:
▪ Alcohol;
▪ Drug abuse;
▪ Drug overdose (including, but not limited to, over-the-counter drugs); or

▪ Any hepatitis.

▪ Renal Failure does not include renal failure due to diabetes mellitus or hypertension.

▪ Stroke does not include transient ischemic attacks (“TIA”).

▪ Adrenal Hypofunction (Addison's Disease) does not include Adrenal insufficiency resulting from prolonged corticosteroid treatment.
▪ Alzheimer's Disease does not cover any other type of dementia.
▪ Encephalitis due to Human Immunodeficiency Virus (HIV) infection is not included.
▪ Heart Valve Replacement does not include surgical procedures that do not involved open-heart surgery.
▪ Bacterial Meningitis does not include other forms of meningitis, including viral meningitis.
▪ Sickle Cell Anemia: having sickle cell trait alone does not qualify as a valid claim.
▪ Coma does not include: Coma due to either alcohol or drug abuse; Persistent vegetative state;  or Medically induced coma

▪ Cancer - Non-Invasive, Skin Cancer: Non-Invasive Skin Cancer means any malignancy of the skin diagnosed with histological confirmation and characterized by uncontrolled growth of malignant cells and invasion of tissue. It includes: basal cell carcinoma; and squamous cell carcinoma.
It does not include malignant melanoma, or any condition which may be considered pre-cancerous, such as leukoplakia; actinic keratosis; carcinoid; hyperplasia; non-malignant melanoma; moles; or similar diseases or lesions. Medical evidence of a definite diagnosis of Non-Invasive Skin Cancer by a doctor is required as proof of claim. A clinical diagnosis will be accepted whenever such diagnosis is consistent with professional medical standards.

309866; 0118

309866; 0118