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
Accident insurance can soften the financial impact of an accidental injury by paying a benefit to you to help cover the unexpected out-of-pocket costs related to treating your injuries.
Sample Reimbursements
Ground/Air Ambulance: $300/$1,200
Emergency Room: $100
X-Ray: $10
Hospital Stay/Admission: $100/$500
Dislocated Hip: $100-$4,000
Follow-up Physical Therapy Visit: $25
Total Benefit Paid: $635/$5,835
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
Critical Illness
With critical illness insurance, you’ll receive a lump-sum benefit if you are diagnosed with a covered condition. You can use this benefit however you like, including to pay for treatments, prescriptions, travel, increased living expenses, and more.
Sample Reimbursements
Employee and Spouse: $10,000
Children: $10,000
What Critical Illness Insurance Covers
- Heart Attack
- Multiple Sclerosis
- Stroke
- Alzheimer’s Disease
- Parkinson’s Disease
- Major Organ Failure