While health plans may cover direct costs associated with a critical illness, you can use your benefit to help with related expenses like lost income, child care, travel to and from treatment, deductibles and copays. Critical illness insurance can be used however you want, and it pays in addition to any other coverage you may already have.

  • Benefit Overview

    Critical illness coverage through Guardian pays you a cash benefit to help with your expenses– your deductible or copays, transportation, groceries and more – if you or a covered family member is diagnosed with a covered critical illness. The money is yours to use as you choose.

  • Initial Benefit Covered Conditions

    Initial Benefit 100%

    • Full Benefit Cancer
    • Heart Attack
    • Stroke
    • Coronary Artery Bypass Graft
    • Kidney Failure
    • Alzheimer’s Disease
    • Major Organ Transplant Benefit

    Initial Benefit 25%

    • Partial Benefit Cancer
    • 22 Listed Conditions

  • Recurrence Benefit

    Recurrence Benefit 100%

    • Full Benefit Cancer
    • Heart Attack
    • Stroke
    • Coronary Artery Bypass Graft

    Recurrence Benefit 25%

    • Partial Benefit Cancer

  • Wellness Benefit

    Every year, each family member who has critical illness coverage can also receive $100 for getting a health screening or preventive care test, such as:

    • Blood tests
    • Chest X-rays
    • Stress tests
    • Colonoscopies
    • Mammograms
    • Physicals

  • Payroll Deduction

    Critical Illness (rates are based on age and per $1,000 of coverage. Coverage can be elected in $10,000 increments to a $20,000 maximum. If enrolling dependents, their rate will be added together with employee rate for total contribution)

    Age Range $10,000 Coverage $20,000 Coverage
    15–29 $4.50 $9.00
    30–39 $4.65 $9.30
    40–49 $7.80 $15.60
    50–59 $14.95 $29.90
    60–69 $39.00 $78.00
    70–99 $41.10 $82.20

Critical Illness

Provider: Guardian

Plan ID# 00038705

Phone: 800-541-7846

Website: https://www.guardianlife.com/