Supplemental Medical
Supplemental Health benefits pay a fixed, one-time benefit amount which you can use for any purpose you like. It can help pay for expenses not covered by your healthcare plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home healthcare costs, or any of your regular household expenses.
What’s great about these plans are that they complement your existing healthcare coverage, filling in the gaps and offering financial support where it’s needed most. The best part? It’s entirely up to you. These plans are 100% voluntary, allowing you to choose the coverage that fits your lifestyle and priorities. It’s insurance that puts you in control, providing peace of mind when life takes unexpected turns.
Accident Insurance
Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident that occurs on or after your coverage effective date. The benefit amount depends on the type of injury and care received. You have the option to elect Accident Insurance to meet your needs. Accident Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
Features of Accident Insurance include:
- Guaranteed issue: No medical questions or tests are required for coverage.
- Flexible: You can use the benefit payments for any purpose you like.
- Portable: If you leave your current employer or retire, you can take your coverage with you.
Reimbursement Examples*
Ground Ambulance: $300
Emergency Room: $150
X-Ray: $50
MRI: $150
Hospital Stay – Admission + 5 days: $2,000
Dislocated Hip: $3,000
Medical Equipment: $100
Physical Therapy (4 sessions): $400
Total Benefit Paid: $5,850
*Reimbursement amount for illustrative purposes only. Refer to plan document for actual benefit amounts.
What Accident Insurance Covers
- Emergency Room Visits
- Hospital Stays
- Fractures and Dislocations
- Medical Exams – including major diagnostic exams
- Physical Therapy
- Transportation and Lodging – if you are away from home when the accident happens
Refer to the plan documents for benefit details and coverages.
Critical Illness
Tom suffered a stroke.
- He was hospitalized for five days.
- He began rehab to get back to where he was physically before the stroke.
- Tom submitted his claim and received a lump-sum payment of $10,000.
Reimbursement Examples*
Employee and Spouse: $5,000 – $30,000 in $5,000 increments
Children: $1,000 – $15,000
*Reimbursement amount for illustrative purposes only. Refer to plan document for actual benefit amounts.
What Critical Illness Insurance Covers
- Heart Attack
- Multiple Sclerosis
- Stroke
- Major Organ Failure
Refer to the plan documents for benefit details and coverages.
Hospital Indemnity
In April, Sarah unexpectedly needed back surgery.
- Sarah was admitted to the hospital for surgery.
- After surgery, she began physical therapy to increase her strength and flexibility.
- Sarah submitted her claim and received a lump-sum payment of $1,000.
Reimbursement Examples*
Total Benefit Paid: $1,000
*Reimbursement amount for illustrative purposes only. Refer to plan document for actual benefit amounts.
What Hospital Indemnity Insurance Covers
- Hospital Admission
- Hospital Confinement
- Hospital Intensive Care
Refer to the plan documents for benefit details and coverages.