Many HIP plans have additional riders you can add to the coverage. These will depend on the carrier.
- Ambulance Services
- Skilled Nursing
- Outpatient Services
- Cancer Lump Sum Benefit
Depending on your client’s needs and concerns, your plan structure may vary. One popular rider is the lump sum cancer benefit. This provides a lump sum of money, usually from $1,000 -$10,000, on the first diagnosis of certain cancers.
As you can see from the sample excerpt below, your client will owe 20% of all radiation treatments.
With that potential high out of pocket cost, a lump sum cancer rider can help offset or eliminate any cost, depending on the benefit and policy.

Transition Statement:
We can structure that hospital benefit I mentioned to have a lump sum benefit to be delivered to you to help pay for chemotherapy, doctor office visits, other therapies, travel if you want to get treatment out of town, hire a home health aide to assist you and your family during the chemo process, etc.