John Hancock Insurance

Six in 10 Americans live with a chronic illness, such as heart disease, cancer, diabetes, or other conditions. These represent one of the nation’s leading causes of disability and drivers of the nation’s annual health care spending.¹

Today, John Hancock announced that eligible John Hancock Vitality customers can get special pricing and access to Prenuvo’s whole body MRI scan, an early detection tool for over 500 conditions, including cancers.

John Hancock’s Prenuvo offering is the latest advancement in our commitment to providing customers with proactive health tools that empower them to live longer, healthier, better lives. We will be sharing more information with eligible customers in the coming weeks.

In the meantime, we’ve compiled answers to a few questions you may have about this offer below. If you would like to learn more or have additional questions, please get in touch with your John Hancock representative.

In good health,

John Hancock Insurance Leadership Team

Read today's announcement

What is the Prenuvo scan?
The scan looks for more than 500 conditions — including most solid tumors, aneurysms, cysts, and more — without radiation and in under an hour, compared to the 4-5 hours it would take to achieve this level of insight from conventional MRI scans.

Which of my clients are eligible for this offer?
The Prenuvo discount will be available to:

All registered John Hancock Vitality members, PLUS and GO, who are 18 years of age or older and have completed the Vitality Health Review (VHR).

Please note: The Prenuvo scan is not available to:

Customers with policies issued in Guam, Idaho, New Mexico, New York, North Dakota, Puerto Rico and Vermont.
The Prenuvo scan is subject to the completion of an MRI safety assessment as well as a medical intake review by Prenuvo.

How will my eligible clients be made aware of the offer?

If your client is eligible, we will reach out to them with information about Prenuvo. The email includes a link to a request form and Prenuvo will contact the customer to confirm eligibility and schedule the scan.

How much will my clients have to pay for the test?
For eligible polices, $500 will be discounted from the cost of the scan. The discount is only applicable to the whole body scan.

Will John Hancock receive my clients’ scan results?
John Hancock does not receive individual scan results from Prenuvo, nor does it know which customers have requested the scan or have been scanned. The results will have no impact on their current life insurance coverage. For purposes of research, validation of assumptions and evaluation of future health and wellness offerings, John Hancock may receive aggregated and deidentified data from Prenuvo from time to time.

What action is needed on my part?
No action is needed on your part. We simply wanted to make sure you heard today’s news and are aware that we are reaching out to eligible policyholders. If you would like, we encourage you to use this as a positive touchpoint with your eligible clients, letting them know that they will be hearing from us soon.

Where can I get more information?
prenuvo.com/lp/john-hancock-and-prenuvo

 
If you have any questions about this pilot, please reach out to your John Hancock sales representative.
 

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1. National Center for Chronic Disease Prevention and Health (NCCDPHP).

FOR AGENT USE ONLY. THIS MATERIAL MAY NOT BE USED WITH THE PUBLIC.

The Prenuvo scan should not be considered as a replacement to any standard clinical guidelines-based screening for specific types of cancer or other health conditions. The Prenuvo scan is subject to the completion of an MRI safety assessment as well as a medical intake review by Prenuvo. Your clients should contact their healthcare provider with any specific questions regarding their health or medical conditions.

As with any medical test, there are limitations, which make it impossible for the Prenuvo scan to detect all malignancies and disease conditions. It is also possible that there may be findings that upon further diagnostic testing are not significant or might not require immediate medical intervention. Please see Prenuvo’s website for additional information about the scan.

There may be additional costs for diagnostic testing. Your client is fully responsible for any costs related to the scan or additional diagnostic testing. There is no coordination between John Hancock and any health benefits your client may receive from an insurance policy, health plan, or any other wellness programs your client may be enrolled in.

John Hancock does not receive individual scan results from Prenuvo, nor does it know which customers have requested or taken the scan. For purposes of research, validation of assumptions and evaluation of future health and wellness offerings, John Hancock may receive aggregated and deidentified data from Prenuvo from time to time. Your client’s results will have no impact on their current life insurance coverage. Like other medical tests your client elects, a decision to take the Prenuvo scan, and the results of the scan, may need to be disclosed in a new application for insurance coverage, and thus could affect your client’s access to future insurance coverage and the price of such coverage.

John Hancock is not an affiliate of Prenuvo. The Prenuvo scan is developed and administered by Prenuvo and its affiliated professional entities. John Hancock does not provide medical advice or guidance on further diagnostic testing or treatment following the Prenuvo scan, is not involved in the design or administration of the Prenuvo scan and is not responsible for the accuracy or performance of the Prenuvo scan.

At this time, John Hancock does not expect that it will be required to report the value of the Prenuvo test discount to the IRS as income to your clients. This material does not constitute tax or legal advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. Your client should consult their own tax professional.

Discounted access to the Prenuvo scan through the John Hancock Vitality Program is not currently available to customers with policies issued in Idaho, Guam, New Mexico, New York, North Dakota, Puerto Rico and Vermont. Prenuvo offers limited locations for scans. Please see Prenuvo's website for current locations. Discount does not apply to locations outside of the U.S or the Boston location as it's fully dedicated to a research study that doesn't allow any promotional pricing.

Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. John Hancock Vitality Program rewards and discounts are available only to the person insured under the eligible life insurance policy, may vary based on the type of insurance policy purchased and the state where the policy was issued, are subject to change and are not guaranteed to remain the same for the life of the policy. The offer of discounted access to the Prenuvo scan is also subject to change.

Insurance products issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116.

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