Supplemental Medical
Supplemental Medical Plans 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
On his way to work, John was in a car accident.
- He was transported by ground ambulance to the emergency room and admitted to the hospital.
- He had a dislocated hip and spent five days in the hospital.
- He had several physical therapy sessions before returning to work.
- John submitted his accident claim and received $5,850 from his accident insurance coverage.
- He used it towards his deductible, copay, and supplemental income for his missed workdays.
Sample Reimbursements
Ground Ambulance: $300
Emergency Room: $100
X-Ray: $50
MRI: $200
Hospital Stay – Admission + 5 days: $2,500
Dislocated Hip: $3,335
Physical Therapy (4 sessions): $80
Total Benefit Paid: $6,565
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
What's Included
Be Well Benefit
Every year, each family member who has Hospital coverage can also receive $50 for getting a covered Be Well screening test, such as:
- Annual exams by a physician include sports physicals, wellchild visits, dental and vision exams
- Screenings for cancer, including pap smear, colonoscopy
- Cardiovascular function screenings
- Screenings for cholesterol and diabetes
- Imaging studies, including chest X-ray, mammography
- Immunizations including HPV, MMR, tetanus, influenza
Monthly Plan Cost
Employee Only: $6.76
Employee and Spouse: $12.10
Employee and Child(ren): $14.48
Employee and Family: $19.82
Critical Illness
Tom suffered a relatively small 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.
Sample Reimbursements
Choose $10K, $20K or $30K of coverage. No medical underwriting if enrolled when first eligible.
Spouses can get 100% of the employee coverage amount as long as you have purchased coverage for yourself.
Children from live birth to age 26 are automatically covered at no extra cost. Their coverage amount is 50% of yours.
What Critical Illness Insurance Covers
- Heart Attack
- Multiple Sclerosis
- Stroke
- Alzheimer’s Disease
- Parkinson’s Disease
- Major Organ Failure
- ALS
- Invasive & non invasive cancer
- End stage kidney failure
Monthly Plan Cost
| Employee Age | Rate (per $10,000) |
| 24 & Under: | $3.44 |
| 25–29: | $4.04 |
| 30–34: | $4.64 |
| 35–39: | $5.54 |
| 40–44: | $6.84 |
| 45–49: | $8.84 |
| 50–54: | $11.64 |
| 55–59: | $15.24 |
| 60–64: | $24.74 |
| 65–69: | $32.84 |
| 70–74: | $44.34 |
| 75–79: | $60.74 |
| 80–84: |
$82.44 |
| 85 & Older: |
$124.84 |
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.
Sample Reimbursements
Total Benefit Paid: $1,000
What Hospital Insurance Covers
- Heart Attack
- Hospital Admission
- Hospital Confinement
- Hospital Intensive Care
- Surgical Care
- Medical Diagnostic and Imaging
- Mental/nervous or Substance Abuse Treatment
What's Included
Be Well Benefit
Every year, each family member who has Accident coverage can also receive $50 for getting a covered Be Well screening test, such as:
- Annual exams by a physician include sports physicals, well-child visits, dental and vision exams
- Screenings for cancer, including pap smear, colonoscopy
- Cardiovascular function screenings
- Screenings for cholesterol and diabetes
- Imaging studies, including chest X-ray, mammography
- Immunizations including HPV, MMR, tetanus, influenza
Organized Sports Benefit
Each family member that has Accident coverage is eligible for a 10% increase in payable benefits within the Injury and Treatment schedule of benefit categories. See disclosures and schedule of benefits for more information.
Monthly Plan Cost
Employee Only: $18.39
Employee and Spouse: $34.01
Employee and Child(ren): $26.17
Employee and Family: $41.79