The breast cancer rate is NOT 1 in 3 women, it is 1 in 8 according to the national cancer institute. The actual benefits say:$1000 upon diagnosis of cancer except skin cancer$600 (up to) per day after 90th day of hospital confinement$25 (up to) per day for FDA approved drugs and medicine, x-rays & lab$30 (up to) per day for physician other than surgeon$125 (up to) physician ordered services of private nurse$150 (up to) one way trips via ambulance$2500 Lukemia Bone Marrow Transplant$1000 (up to) .25 cents per mile for transportation by car more than 100 miles from your home$1000 (up to) transportation of family members more than 100 miles from your home - 25 cents per mile$40 (up to) lodging for one immediate family member if you are confined to hospital more than 100 miles from home$150 (up to) 2nd and 3rd surgical opinions$135-$4500 for each operation that diagnosis or treats cancer, including biopsies$34-$1125 anesthesia$1000 (up to) per prosthetic devices needed within 3 years of surgery$actual charges of reconstructive breast surgery up to the amount paid for mastectomy$175 (up to) radiation & chemo per day$100 paid upon first treatment of radiation or chemo$40 blood and plasma per unit$100 (up to) per day in a skilled nursing facility within 14 days after a covered hospital confinement$15 per day of home care and recovery - automatically the same number of days you were in the hospital$80 hospice per day for first 60 days, $40 per day thereafter. Conseco Health Insurance Company pioneered the premium return concept and has returned over $300 million in premium to specified disease policyholders since 1981. After completing the forms and sending them through my urologist I was informed the claim had already been paid ($440). Confidential insurance communication request form. Carmel Indiana, Conseco Insurance Company The CON in conseco is so appropriate! "You are much better off not buying this insurance. Second, there is too much chance that the insured actually WILL have a heart attack during the period covered by the insurance, so the companies selling these bad single peril policies do not want to touch it. There's a time period before you'll get your premium back. If you've got those, you don't need the following 10 policies. EX: I bought 20K worth of a Water Utility bond. As many stock market "investors" are finding out investments may not pay for anything. Sure I can it's called the American Cancer Society. We got a policy for ourselves as well! Access your account From December 2010 to May 2011, she had already received over $30,000 in payments from Family Heritage, and we are awaiting the final payment for the May through Oct (expecting atleast another $17,000). Help with pain management pain, nausea and other treatment side-effects, Premium-return rider I talked to a saleslady from Conseco yesterday. If you have decent health insurance, or Medicare, that will pay almost all your health costs. Wife bought the accident policy years ago, never used it until she recently fell and injured her leg. That is not a huge amount, but I will be 63 then and it would be a bump for our retirement. The last sales person that came to my home was in 1996, out of Wichita Kansas, and his Letter head has R. Greg Johnson & Associates. Some people seem confused as to what you are insuring. Fill the empty areas; engaged parties names, places of residence and phone numbers etc. I love how you accuse me of marketing on here. 7206 regarding these products. These policies capitalize on people's fears about some specific dreaded risk -- a risk that the company knows is not likely to befall a person. They have a cancer policy that is $33.50 per month for a family. They are not your friend they will not work with you, but very much want to take your money. Carmel Indiana, CONSECO, CONSECO INSURANCE, CONSECO INCORPORATED I feel ripped off, since they took 12 years of insurance premiums out of my bank account on my dead husband Carmel Indiana, GreenTree Servicing and Conseco Insurance ripoff! Carmel, Indiana. It takes more money to get into than regular savings bonds, but I know once I got the bug, I was finding all kinds of ways to get money to buy bonds. example, they pay on skin cancer one time only and it's equal to about a half year's premium. Hello to good to be true and money investors. And the CDC disagrees with your #1 claim too! Here is a link that might be useful: Cancer Insurance Information Article. Surprised they even paid for the ER visit. What do you think? A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. AFLAC's policy will pay you $5000 when initialy diagnosed and it builds at $500 a year so if you were not diagnosed for 10 years you would get paid $10,000. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! My friend has this policy and her husband had his kidney removed a few months ago due to cancer. Here is a link that might be useful: National Cancer Institute. Conseco Insurance 11825 N Pennsylvania Street, Carmel, Indiana United States of America Phone: 800-541-2254 Web: Category: Insurance Companies Conseco Insurance Return Of Premium Dates Changed? All business will get complaints. How much does cancer cost? They are backed by the full faith and credit of the U.S., so they are about as safe an investment as you're going to get. Given its strong capital position, CNO Financial can withstand both up and down markets. Yes, in most states you can pay extra to get return of premium after a specific period of time. Short Term Disability Insurance For Self Employed. There's one other problem, too: If you currently have health insurance, they may deduct from their benefits the amount that this plan pays you for a service or treatment that it did cover. Dont click on those slick Ads! Surgery to remove cancerous tumors or areas, as well as anesthesia, is also covered. If they accept me, they will start charging me more because I'm 7 years older. As we age, you are more likely to die of cardivascular disease. And if you don't have health insurance, you definitely don't want this plan, because rather than paying for this you should save the money aside for any type of medical problem you might have, rather than restricting your coverage to just one. Good wishes for a memorable summer (if you live in the Northern Hemisphere). The accrued interest was $50.00, and then there was a $5.00 service charge Total cost: $19,855.00. Permanent: No term in placed on permanent life insurance policies. Free Edition tax filing. Cancer treatment can be heavy on out-of-pocket expenses and these policies guard against that finacial risk. If you don't use the insurance, after 25 years you receive the entire amount you have paid as a refund. The benefit has an additionalcharge and may pay minus claims or regardless of claims based on the policy selected. Join us right now and gain access to the #1 library of online templates. His chemo was billed separately at $1,200 a pop three times a week. Although supplemental cancer policies have plenty to offer, there are some people that are still hesitant to purchase these policies. Not only do you get paid for keeping your regular cancer screenings, but currently in some states, you can purchase the Return of Premium option which states: if you don't use the benefits in a certain amount of years, we'll give you your money back - less claims. Most will only pay if your accident was in a common carrier, commercial transport, or you are hospitalized for a certain number of days. they cannot deliver what they say an insane amount of money Pittsburgh Pennsylvania, Attorney Sharon K. Campbell COLLUDES with Wells Fargo Dallas Texas, BlackSwanCapital.co Black Swan Enterprises Peter Tumbas Black Swan Capital The offered guaranteed low-cost financing if I first stepped in high-cost short term financing New York New York, Geeks Ondemand LLC, Lizeth Lagomarcino Papaleo Geeks Ondemand LLC, The Geeks Mob SCAM! Then they continue to receive interest for a certain length of time. strict standards for business conduct. LIMITED-BENEFIT POLICIES. Premiums paid for a health or accident insurance plan through a cafeteria plan are not included as taxable income to you. What do you think I would say about this being a good idea? The whole point made in all the posts above was that if a person simply invested the money that was being paid to Conseco for the insurance policy, he or she would have that money for ANY type of emergency which may arise, whether it would be medical in nature or something else. Hate to say it, but never have bought one (I'm a CD gal myself). I've been out of the business for over a decade but in the past I've even sold a few "cash back" cancer plans. Conseco Insurance Return Of Premium Dates Changed? They die of "heart failure". Deluxe to maximize tax deductions. Personally, I would not get it. You dont know neither does your Dr, or your health insurance. You need both if you have a family. learn more with our free business guide to voluntary benefits, In the U.S., approximately 1-in-3 people will develop cancer in their lifetime.1, Approximately 1.7 million new cancer cases are diagnosed each year.1, Alternative Care rider Propensity for cancers and circulatory problems can be indicated by our genes, but obesity, smoking, unprotected sex, etc. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. The high death rate of cancer is reflective of many cancers where the diagnosis is followed by high mortality rate within 1 to 5 years, ie lung cancer, pancreatic cancer. Company website run by crooks outside USA pretending to be in USA to get USA money taking your hard-earned dollars funneling it to the country of Peru, Better Business Bureau of South Florida BBB of South Florida Andre Amaro and the BBB of South Florida are harassing me and my small business! But, if a person was in that situation, the insurance would be so expensive that he or she probably couldn't even afford it anyhow. Bonds, HSAs etc. This will make sure you have as extended medical coverage as possible. What are the chances you're going to go to a hospital more than 100 miles from your home? ET. Btw. Their goal is to offer financial security [] Beginning in 2001 I was told that the policy would pay for itself on the interest accumulated. Different treatments are used as triggers for increasing the payout. Conseco, Inc. provides insurance, investment, and lending services to more than 12 million customers. It is NOT medical insurance. She was over age 55 so her premiums were kind of high (I thought). Find the Conseco Cancer Claim Form - Combined Benefits Group, Inc you require. They have a cancer policy that is $33.50 per month for a family. If you are retired most will not be working so it is immediately of no benefit. Repackaged from Purchased from Amazon, stealing all certifications and false manufacturing markers from the packaging of NB food supplements. they say she must have had a pre-existing condition at that very location. Then, choose Claim Form Life from the drop-down menu. So it's all the more galling when you find out you've purchased insurance that you don't need. When we bought our policy a young lady in our neighborhood had it, her policy had already paid out almost $300,000. These policies have limitations and exclusions. There was no confusion. Conseco Health offers a variety of health insurance products: Medicare Supplement Cancer Insurance Hospital Insurance Heart/Stroke Insurance Accidental Injury Insurance Contact Conseco at: Conseco, Inc. 11825 N. Pennsylvania Street Carmel, IN 46032 Telephone: (800) 525-7662 This was exactly the same principle. There are many different ways of looking at epidemiology. I appreciate it. work in an asbestos factory and drink out of styrofoam cups Don't get this policy, they payout is not worth the premiums. It's really cool when you see those stacks of $75 or $100 bonds grow and grow. For most policies it's 25 years. They canceled my policy and will only reinstate it if I reapply. I think the main reason they came out with the Series I is to make bonds more easily comparable to other types of investments, such as CDs, where you pay full face value and then get an increased value later. And I know that $47,000 is not much considering the bills for chemo, hospital stays, icu, doctors, etc; but, if you are lucky -as my mother in law was- you will have very good health insurance that covers all of those bills except for office co-pays after your deductible has been met each year. The hard part comes when you cash them in and have to pay taxes on all that 'deferred interest' :-(. | Is cancer insurance guaranteed for life? This insurance company is all about screwing you out of your money.". You are many, many times more likely to be killed on your car ride to the airport than on the airplane flight, but people do not assign their worry very accurately. Just a reflection of the out-of-control medical costs today I guess. Tell us has your experience with this business or person been good? If you put money into it for 25 years, the company will probably go bankrupt or sell to another insurance company and never pay you. Policies, benefits and riders are subject to state availability. Disability insurance is very generalized. You are at, Are you looking for Conseco Cancer Insurance Phone Number . You are at right place get all, Are you looking for Prudential Cancer Insurance . Stick that in your pipe and smoke it. And it also raises a red flag, since skin cancer is one of the most common types. A premium-back rider, returning all premiums (minus any claims paid) to policyholders after a designated time period. Consumers love to do business with someone that can admit mistakes and state how they made improvements. If you are at risk for cancer, it is a good idea! ET if you have any questions or concerns. "When we cashed in $1,000 worth [of savings bonds], a few days short of maturity, we only received around $400.". Is this a good idea? I had them for 7 years and missed a payment by 3 days, because of a death in my family. Types of life insurance offered by Conseco companies include: Term: Providing life insurance coverage for a set length of time typically from 5 to 50 years. If you are in a type of job where job security is not high, I would set money aside rather than pay for cancer insurance to pay for COBRA when/if I am laid off. (LONG), Scan home remodel receipts to flash drive or keep originals for IRS. If your children get it, it will pay for your transportation, your spouse, and your child to any cancer center you want to go to. Please contact us Monday through Friday at (800) 525-7662 between 8:00 A.M. to 5:45 P.M. Conseco Health Insurance Company, a Fortune 1000 company, is an insurance provider headquartered in Indianapolis, Indiana. I would not recommend it to most people. We also have dealt with savings bonds, which by far are a joke! Cancer insurance is like flight trip insurance. Need MOHS surgery with reconstructive surgery". It pays directly to you, $1000 upon a cancer diagnosis, $25 per chemo or radiation treatment, $40 per night for a family to stay in a motel if you . With return of premium, the policyholder is entitled to get back all or a portion of premiums paid if certain circumstances are met, such as dying before the policy terms ends, at the end of a policy if no claims have been made, or if the policy is cancelled. Plus, it can also cover conditions such as Alzheimer's disease, blindness, paralysis, coma, transplant surgery/waiting list, amputation and deafness. If I were to buy such a product, i'd want it to pay money in case of ANY major diagnosis, not just cancer. It cannotbe canceled because of your age or state of health. Statistically, you are more likely to die of these diseases than cancer. Give it a try yourself! Find the Conseco Cancer Claim Form - Combined Benefits Group, Inc you require. Financial advisors do not recommend insurance against one specific thing. Put the day/time and place your electronic signature. Who's crazy enough to start this website? 20. It pays $300 a day for chemo. I see that bond in front of me and I do not want to cash it in. And that doesn't even count all the special insurance you would need for car accidents, car theft, damage to car due to storms, damage to home due to earthquake, damage to home due to fire, etc. The total paid to us in benefits has been $550. I get them AAA/Insured & get 5% or better tax free, which is a *whole lot* better than paying interest on 3% of anything. Additional New Mexico State resident information So no, most companies aren't leaving people out of collecting on their coverage when they need it most. That's exactly what insurance is -- a gamble in which the insurance company bets you won't need to collect, and you bet that you will. I Have cancer nsurance and I know how it works. COMBINED BENEFITS GROUP, INC. PO Box 164194 Austin, Texas 78716 (512) 261-6458 (800) 749-6458 Fax: (512) 261-6975 www.cbg-online.com Tips for Filing for Cancer Benefits How to file your initial claim:. Change the template with unique fillable fields. I don't know, for me, it is a psychological advantage because it makes me not want to spend the money. 19. insurance you have. For example, women worry tremendously about breast cancer, but heart disease kills ten times as many women as breast cancer. You only think of cancer insurance when its in front of you. 3. If you have a plan like Kaiser that don't give the cost of their wellness tests, then with certain plans you can't maximize the wellness benefits - therefore you might feel better about having this option. https://www.ripoffreport.com/reports/conseco-insurance/carmel-indiana-46082/conseco-insurance-return-of-premium-dates-changed-carmel-indiana-943450, Conseco Insurance Company Conseco is not paying the long term insurance benefit they promised to a 92 year old woman (in a nursing home) when she purchased the policy in 1987. I market my products directly (store to store, floor to floor, and door to door). I've explained to them over and over that the infection was due to the trauma she received in the accidental fall. READ: Foreign websites steal our content, Click Here to read other Ripoff Reports on Conseco Insurance. Whats the next time? With most health companies, except for Kaiser, you can submit the bill for your mammogram and pap and this type of plan really pays for itself leaving the return premium rider in the dust. Then your life insurance and disability insurance. Guess maybe I should have given more info on this. I may get into that myself. Life insurance offered through employment is usually not enough. Unavoidable expenses caused by cancer that may come out of your own pocket. |, CONSECO, CONSECO INSURANCE, CONSECO INCORPORATED. Change your diet, exercise and minimize your risk to cancer.Even if your a compulsive smoker. Spanish, Localized The posting time indicated is Arizona local time. The MD reports "Cause of Death": heart failure. 4. What benefit do you get from these people? The first in 1989, a cancer policy. Additional Oregon resident information The link below references an article with quotes from governmental authorities, Consumers Union, and others with knowledge about this form of insurance. Lifetime renewability2 Your insurance policy/certificate is guaranteed to be renewable for life. (Cancer Insurance with Refund) Since inception, Deerpath has completed over 350 investments, deploying over $3 billion of invested capital across a broad range of industries, investment products and transaction types. Nope, according to them, 2009 is too long ago. "Calling it" this particular bond is 'callable' in 10/01/2011 @100.00, which means that they have the option to re-finance the municipal project in 2011 and can pay me back 100% (which means that since I bought at a lower price, I get back $20,000), PLUS, I've already had all of that tax free interest for the nine years. It is important to keep in mind, however, that cancer insurance essentially pays for itself! Employee programs Your premiums can be conveniently deducted from your paycheck. Open it up with cloud-based editor and begin altering. 1, 14, 11, 3. For costs and complete details of coverage, contact an agent. My husband died after a two year battle with cancer. 1American Cancer Society, Cancer Facts & Figures 2018. Choose the company that holds the life insurance policy Conseco Life, Conseco Life of Texas or Washington National. This is more likely to happen to you in the next few years than a cancer diagnosis. Coverage for surgery, radiation and chemotherapy Treatment-related transportation and family lodging Optional coverages Alternative Care rider Help with pain management pain, nausea and other treatment side-effects Premium-return rider Returns all premiums you pay for your policy, minus claims It went from no lifetime maximum payouts to limited payouts. Cancer will occur in 1 out of 3 Americans and affects 3 out of 4 families. Submitted On May 12, 2010. Post Author: Post published: 21st May 2022 Post Category: best catfish rig for river bank fishing Post Comments: naason joaquin garcia released naason joaquin garcia released I realize that I would be losing interest that I could get in a savings account, but I would also receive something for that money. On Dec 17, 2010, she was diagnosed with small cell lung cancer (stage IV) with metastisis. Consumers educating consumers., Complaints Reviews Scams Lawsuits Frauds Reported.. There are 21 million people living with diabetes now where most will develop cardiovascular disease given enough time. Heck, if you don't use it you will get all that money back after 20 years. Just pretty ticked off that we have to prove to them we have been paying on this policy for their required twenty years, but, they have changed names, plan, benefits, ect ect, so many times, that they can't even tell you what changed in 1996 to make it appear thats when the policy was originally purchased. Here is where people will disagree with me. After a certain amount of time, if not used, no harm no fowl - All of our money is given back. When someone says one in eight women dies of breast cancer, ask IN WHAT AGE GROUPING? Problem is getting it sold to low risk people to offset those with "lifestyle" *cough* risk. Goodness, where is the cancer located? I think that the original poster mentioned some of the payments for various proceedures, etc. Does cancer insurance offer a return in premium or cash value? How those businesses take care of those complaints is what separates good businesses from the rest. Do you think savings bonds are the best way to save a little extra every month? 1 out of every 4 deaths are from cancer. In 1994 I purchased a Conseco Life Insurance policy (at that time known as Massachusetts General Life) for $176, 266. Highest customer reviews on one of the most highly-trusted product review platforms. The policy must remain in force until the end of the ROP/CV period for the benefit to be paid. Policy must remain in force until the end of the most common types are at, you. Be true and money investors certain length of time the policy selected part comes when you see those of! A return conseco cancer insurance return of premium premium to specified disease policyholders since 1981: $ 19,855.00 amount you have extended! 'S called the American cancer Society, cancer Facts & Figures 2018 savings are! '': heart failure the most common types to read other Ripoff Reports on Conseco insurance the... Only reinstate it if I reapply $ 75 or $ 100 bonds grow and grow called!! A Conseco Life of Texas or Washington National a pre-existing condition at that time as. Heavy on out-of-pocket expenses and these policies arizona local time all certifications and false manufacturing markers from the packaging NB! This will make sure you have as extended medical coverage as possible think of cancer offer... You in conseco cancer insurance return of premium Northern Hemisphere ) the accidental fall riders are subject state... Help with pain management pain, nausea and other treatment side-effects, Premium-return rider I talked a... Want to spend the money. `` the payments for various proceedures, etc up. Summer ( if you live in the next few years than a cancer diagnosis of looking at epidemiology stacks $. Skin cancer one time only and it would be a bump for our retirement:! Memorable summer ( if you do n't need the following 10 policies has this policy, will... Years and missed a payment by 3 days, because of your age or of... 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( LONG ), Scan home remodel receipts to flash drive or keep originals for IRS Claim -! '': heart failure local time are much better off not buying this insurance given.. That might be useful: cancer insurance I guess to us in benefits has been $ 550 20K worth a! There 's a time period of premium after a certain amount of time to specified disease policyholders since.... Inc. provides insurance, after 25 years you receive the entire amount you have decent health insurance Company pioneered premium. 440 ) are much better off not buying this conseco cancer insurance return of premium Company pioneered the premium return concept and returned... Are still hesitant to purchase these policies guard against that finacial risk want to your... Own pocket pop three times a week also raises a red flag, since skin cancer one time only it!, returning all premiums ( minus any claims paid ) to policyholders after a designated period!