Critical Illness Insurance Plan

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 ADA Critical Illness Insurance Plan can make a big difference.

The 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 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.

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.