Insurance Plan
If you or a family member are diagnosed with a critical illness, the last thing you want to spend
time worrying about is how much the treatment will cost and whether or not your health insurance will
cover it. That’s when having the NEW ADA Critical Illness Insurance Plan can make a big difference.
The NEW ADA Critical Illness Insurance Plan is a smart way to help ensure you have the crucial
financial support you need, when you need it most. The insurance plan will pay cash directly to
you in the event that you or a covered family member is diagnosed with one of the covered critical
illnesses.
Up to $50,000 in a lump sum payment. Payment is made upon first diagnosis of one of
the covered critical illnesses for you or a covered family member.
Use the funds any way you want. Pay off medical debt, expensive prescriptions
not covered by your health insurance or travel expenses for out-of-town treatments.
Covers 17 critical illnesses. See the complete list of
17
covered illnesses.
Watch a short video to learn more about the benefits of the Critical Illness Plan.
Apply for the Critical Illness Insurance Plan.
Rates
The new ADA Critical Illness Insurance Plan is designed to give ADA members a way to offset some of the expenses
of critical illness treatment that may not be covered by health insurance.
- Low ADA member rates for insurance coverage
- Available for you, your spouse and eligible dependents1
- Benefit is payable upon first diagnosis after coverage2
To learn more and compare premiums by age, download the
Critical Illness Rate Chart. You can also obtain a
rate quote online.
1Members who are under age 65 with unmarried children under age 21 (27 if they
are full-time students) can apply for dependent children coverage The monthly cost for each
dependent child is $1.32 per $5,000 of benefit.
2Critical Illness Insurance Plan coverage issued on a guaranteed acceptance basis
is subject to a pre-existing conditions limitation, which means no benefits will be payable for a
condition for which the insured received medical treatment, care, advice, or medication within the 12
consecutive month period before the effective date of guaranteed acceptance coverage.
Features
The ADA Critical Illness Insurance Plan was developed with the idea of reducing some of the financial
stress when you or a covered family member is diagnosed with a critical illness. By helping to alleviate
some of your potential financial burdens, this insurance plan can help you focus on what’s most important:
you or your loved one’s recovery.
Life-threatening cancer
Major human organ transplant
Motor neuron disease
Paralysis
Loss of sight
Parkinson’s disease
Heart attack
Multiple sclerosis
Amputation/loss of limb
Severe burns
Loss of speech
Major head trauma
Stroke
AIDS
Kidney failure
Coverage details:
- Low ADA member rates for you and your family
- Get a lump sum cash payment up to $50,000 if you are diagnosed with an eligible critical condition1
– $5,000 is guaranteed acceptance2
– $10,000 or more requires underwriting ($5,000 minimum incremental increases)
- A payout to use any way you wish
- Benefit is payable on the first diagnosis after coverage is effective regardless of a prior diagnosis1
- Coverage available for your spouse and eligible children3
- Eligible to apply for coverage up to age 654
1 Critical Illness Insurance Plan coverage issued on a guaranteed acceptance basis is
subject to a pre-existing conditions limitation, which means no benefits will be payable for a condition
for which the insured received medical treatment, care, advice, or medication within the 12 consecutive
month period before the effective date of guaranteed acceptance coverage.
2Critical Illness Insurance Plan is guaranteed issue for coverage at $5,000 and less,
meaning approval is guaranteed without any medical or financial underwriting. Benefits from $10,000
to the maximum of $50,000 ($5,000 minimum incremental increase) are subject to underwriting approval.
3Members who are under age 65 with unmarried children under age 21 (27 if they are full-time
students) can apply for dependent children coverage. The monthly cost for each dependent child is $1.32
per $5,000 of benefit.
4Beginning at age 65, benefit amounts can no longer be increased. Critical Condition
Coverage is renewable up to age 70.