Overview
While your primary medical coverage pays doctors and hospitals directly for costs related to your care, supplemental plans pay cash benefits directly to you — you can use this money however you want.
Key features
Supplemental medical plans provide:
Cash benefits
to help you pay expenses not covered by your primary medical coverage.
Flexibility
to spend your benefit payment(s) on anything, including medical bills, transportation costs, child care fees, and daily living expenses.
Financial protection
against high costs related to accidental injuries, a serious illness, or a hospital stay.
2024 supplemental medical benefits
You can enroll in one or more of the following plans as a new hire, during Open Enrollment, or if you have a qualifying life event.
Keep in mind
Supplemental medical plans only add to coverage provided by your primary medical plan. They don’t cover your day-to-day health care needs.
How much does supplemental medical coverage cost?
Supplemental coverage is relatively inexpensive. These plans often work well in combination with a high-deductible health plan, giving you some added peace of mind at a low cost. The amount you pay will depend on which plan(s) you choose and whether you cover just yourself or family members, too.
You pay the full cost of coverage through after-tax paycheck deductions. To see your premiums and enroll, log in to your enrollment website.
Accident Insurance
Accident insurance pays cash benefits to help cover the cost of treatment for covered accidental injuries. You can use this money to pay medical bills or anything else.
Accident insurance benefits
In the event of a covered accident, benefits are paid for initial treatment, follow-up care, hospitalizations, fractures and dislocations, and more. For example:
| Type of Treatment or Injury | Benefit Payment |
|---|---|
| Ambulance: ground or water/air | $400/$800 |
| Emergency room | $200 |
| X-ray | $50 |
| Concussion | $200 |
| Per covered surgically repaired fracture | $100 - $6,000 |
| Hospitalization | Non-ICU: $750 admission + $225 ICU stay: $400
|
| Follow-up physical therapy | $35 |
| Follow-up doctor’s office visit | $50 |
Actual benefit amounts depend on the type of injuries you have and the medical services you need.
Critical Illness Insurance
Critical Illness insurance protects against the financial impact of certain health conditions, such as a heart attack, cancer, or stroke. If you’re diagnosed with a covered illness, you receive a lump-sum benefit payment that you can use however you want.
The money can help you pay out-of-pocket medical expenses, like co-pays and deductibles. Plus, you can use this coverage more than once. Even after you receive a payout for one illness, you’re still covered for the remaining conditions and for the reoccurrence of some covered critical illnesses.
Critical illness insurance benefits
You can choose from three coverage options that pay a maximum benefit per diagnosis of:
- $10,000 or
- $20,000 or
- $30,000
Note: Covered spouses receive 100% of your benefit amount as long as you have purchased coverage for yourself, and covered children receive 50% of your benefit amount.
Benefits are paid upon diagnosis of a covered illness or condition and may be paid more than once if the illness recurs or if a different diagnosis is made. Examples include:
| Illness or Condition | Percentage of Benefit Amount |
|---|---|
| Heart attack | 100% |
| Coronary artery condition requiring bypass surgery | 100% |
| Invasive cancer | 100% |
| Major organ failure | 100% |
| Huntington’s disease | 25% |
| Stroke | 100% |
| Pulmonary embolism | 25% |
| Blindness | 100% |
| Multiple Sclerosis | 25% |
| Sickle cell anemia | 100% |
You are also eligible for an annual $100 wellness benefit when you receive one of many wellness screenings and certain blood tests included in your contract.
Hospital Care Insurance
Hospital Care Coverage helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you’re admitted to the hospital for a covered accident, illness, or childbirth. The money is paid directly to you – not to a hospital or care provider. The money can also help you pay the out-of-pocket expenses your medical plan may not cover, such as coinsurance, co-pays, and deductibles. You can elect coverage for yourself, your spouse (over age 17), and your dependent children until their 26th birthday, regardless of marital or student status.
Hospital care benefits
- $1,500 for each covered hospital admission – one day, one benefit every 90 days
- $100 per day every 90 days for hospital chronic condition admission
- $200 for each day of your covered hospital stay, up to 10 days - once every 90 days
- $400 for each day you spend in intensive care, up to 10 days - once every 90 days
- $100 for a hospital observation stay, one benefit per 24-hour period – up to 72 hours
- $500 for newborn nursery care admission, one day per child