Employees' risk of developing breast cancer may be greater than you know. According to breastcancer.org:
- 1 in 8 American women (about 13%) will develop breast cancer.
- 1 in 833 American men will develop breast cancer.
- Breast cancer is the most commonly diagnosed cancer among women.
- About 85% of cases occur in women with no family history.
According to the Centers for Disease Control and Prevention about 42,000 American women die from breast cancer each year.
There are steps employers can take to help.
Promote steps your employees can take to reduce their risks.
Encourage employees to get their recommended screenings.
According to the American College of Radiology, early detection is key, and mammography is the only test proven to reduce deaths from breast cancer. A mammogram is an X-ray that checks breast tissue for cancer and other abnormalities.
While mammogram scheduling guidelines differ, many doctors recommend that women should begin annual or biannual mammograms at age 40. Women should consult their doctor about an appropriate mammogram schedule.
Provide your employees with self-funded health coverage through Allstate Benefits
According to the Susan G. Komen Breast Cancer Foundation, women with health insurance are more likely to get their recommended mammograms.
Allstate Benefits provides innovative solutions that can help small- and mid-sized businesses gain control of health benefit costs and offer their employees the coverage they need to get their recommended screenings and checkups.
Through our Self-Funded Program:
You have ONE predictable monthly payment. Your monthly payment is determined upfront and guaranteed not to increase for a full year as long as there are no changes to your group's benefits or enrollment.
Plan management is handled for you. All day-to-day administration of your self-funded plan — including claim payments and customer service — is taken care of for you, so you're free to focus on your business.
Stop-loss coverage protects you. If your group's claims are higher than expected, stop-loss coverage protects your business's assets.
You may even get a refund! If your group's claims are lower than the balance in your claims account, you're refunded a portion of the difference at the end of the plan year.1 About 60% of our groups receive a refund!2
Offer your employees cancer insurance through Allstate Benefits
Cancer insurance from Allstate Benefits provides protection for the treatment of breast cancer and other types of cancer, as well as 29 specified diseases. Coverage pays a cash benefit to help pay out-of-pocket costs associated with treatment, including doctor visits, diagnosis, surgery, prosthesis, radiation/chemotherapy treatments, wigs, and other expenses. Unlike medical insurance, this coverage also pays benefits that can be used for everyday living expenses.
We also offer a wellness benefit that pays an annual benefit for many cancer screenings, like mammograms and breast ultrasounds. Each covered person is eligible for a wellness benefit once each year. Paying employees to stay on top of their health is a great way for employers to spread awareness and inspire their workforce to stay healthy.
To learn more about our Self-Funded Program, call your Allstate Benefits — Group Health sales consultant at 877-225-5077.
1 In years when claims are lower than expected, a portion (or all, depending on the plan selection) of the difference between the group's anticipated and actual claims is refunded back to the employer. Refund is subject to any applicable Terminal Liability Coverage fee.
2 Based on the percentage of groups that received a refund for plan years 2017 through 2019.
The Allstate Benefits Self-Funded Program provides tools for employers owning small to mid-sized businesses to establish a self-funded health benefit plan for their employees. The benefit plan is established by the employer and is not an insurance product. Allstate Benefits is a marketing name for: Integon National Insurance Company in CT, NY and VT; Integon Indemnity Corporation in FL; and National Health Insurance Company in CO, WA and all other states where offered. For employers in the Allstate Benefits Self-Funded Program, stop loss insurance is underwritten by these insurance companies in the noted states.
ABGH-1738 (10/2022)
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