Voluntary Benefits
Supplemental 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.
These plans are 100% voluntary, allowing you to choose the coverage that fits your lifestyle and priorities.
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.
- 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.
Plan Documents and Cost
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
Tom suffered a relatively small stroke.
- He was hospitalized for five days.
- Tom submitted his claim and received a lump-sum payment of $10,000.
Plan Documents and Cost
What Critical Illness Insurance Covers
- Heart Attack
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Multiple Sclerosis
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Stroke
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Alzheimer’s Disease
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Parkinson’s Disease
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Major Organ Failure
Hospital Indemnity
In April, Sarah unexpectedly needed back surgery.
- Sarah was admitted to the hospital for surgery and needed physical therapy.
- Sarah submitted her claim and received a lump-sum payment of $1,000.
Plan Documents and Cost
What Hospital Insurance Covers
- Heart Attack
- Hospital Admission
- Hospital Confinement
- Hospital Intensive Care
- Surgical Care
- Medical Diagnostic and Imaging
- Transportation and Lodging