John Hancock Insurance is dedicated to offering more than just financial protection; they are focused on the overall well-being of their policyholders. Through the John Hancock Vitality Program, policyholders can access resources and opportunities designed to encourage healthier living. One notable benefit within this program is access to the innovative Galleri test, a significant advancement in cancer screening.
Understanding the John Hancock Vitality Program
The John Hancock Vitality Program is a unique wellness initiative linked to eligible John Hancock life insurance policies. It’s designed to reward policyholders for engaging in healthy activities. These rewards and discounts are tailored to the specific insurance policy and the policyholder’s state of residence. It’s important to note that the specifics of the Vitality Program can evolve and are not guaranteed to remain constant throughout the policy’s duration.
The Galleri Test and Vitality PLUS Members
The opportunity to access the Galleri test is a distinguished feature for John Hancock Vitality PLUS members. This advanced, multi-cancer early detection test is available to members aged 40 and older who have completed their Vitality Health Review within the current program year.
Eligibility and Cost Subsidies for the Galleri Test
Eligibility for the Galleri test is specifically for Vitality PLUS members meeting the age and health review criteria and is further subject to clinical guidelines established by GRAIL, the test manufacturer. The financial support for the Galleri test varies based on the face amount of the life insurance policy:
- Policies with $500,000 or more in coverage: John Hancock will subsidize 100% of the Galleri test cost.
- Policies with less than $500,000 in coverage: John Hancock will subsidize 50% of the Galleri test cost.
For individuals with multiple John Hancock policies, the subsidy level is determined by the policy with the highest face amount. It is also crucial to understand that access to the Galleri test through the John Hancock Vitality Program is not available in every state and the offer is subject to modifications.
Important Information Regarding the Galleri Test
The Galleri test is manufactured and distributed by GRAIL, LLC. John Hancock’s role is solely to provide access to this benefit within the Vitality Program. John Hancock does not offer medical advice, is not involved in the creation or production of the Galleri test, and is not liable for the test’s accuracy or effectiveness. Any questions or concerns regarding the Galleri test should be directed to healthcare professionals or GRAIL, LLC.
Veteran’s Day 2024 Initiative: Supporting Home Base
In a commendable initiative starting on Veteran’s Day 2024 and continuing until at least July 4, 2025, John Hancock is giving back to the community. For every four new Vitality registrations, John Hancock will sponsor a Galleri test to be donated to Home Base, a program dedicated to helping Veterans and their families.
John Hancock Insurance Products and Vitality Program Riders
It’s important to remember that insurance products are issued by John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York. The Vitality PLUS benefits are linked to specific riders on these policies, namely the Healthy Engagement rider (HER) or the Healthy Engagement Benefit rider (HEBR). The HER offers premium savings opportunities, while the HEBR provides the chance to enhance the death benefit amount by participating in the Vitality Program.
Products and services provided under the Vitality Program are separate from insurance policies and are subject to change. Participation in the program may involve additional costs and requirements.
For comprehensive details about the John Hancock Vitality Program and the Galleri test benefit, please visit JohnHancock.com or contact them directly at 888-333-2659.
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