Voluntary Supplemental Health Benefits

Accident Insurance

Accident Insurance provides a set benefit amount based on the type of injury you have and the type of treatment you
need. It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more
serious events.
 

Why is this coverage so valuable?
It can help you with out-of-pocket costs that your medical plan doesn’t cover, like co-pays and deductibles. You’ll have base coverage without medical underwriting. The cost is conveniently deducted from your paycheck. You can keep your coverage if you change jobs or retire. You’ll be billed directly.

Who can get coverage?
You:  If you’re actively at work*
Your spouse:  Can get coverage as long as you have purchased coverage for yourself.
Your children: Dependent children from birth until their 26th birthday, regardless of marital or student status.

What’s included?
Be Well Benefit

• Every year, each family member who has Critical Illness coverage can also receive $50 for getting a covered Be Well Benefit screening test, like an annual physical or screens for cancer, cardiovascular function screening cholesterol and diabetes screening or immunizations.
• Organized Sports Benefit
  Each family member that has Accident coverage is eligible for a 25% increase in payable benefits within the Injury and treatment schedule of benefit categories.
• Domestic Steerage
  The plan provides enhanced Hospital benefits of 25% when you use hospitals owned, operated, or controlled by your employer. See schedule of benefits for more information.

Critical
Illness Insurance

If you’re diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment.
You can use the money however you want.

Why is this coverage so valuable?
 

• The money can help you pay out-of-pocket medical expenses, like deductibles.
• 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 any critical illness with the exception of skin cancer. The reoccurrence benefit can pay 100% of your coverage amount. Diagnoses must be at least 90 days apart or the conditions can’t be related to each other.

What's covered?

Please refer to the certificate for complete definitions of these covered conditions. Coverage may vary by state. See exclusions and limitations.

Why should I buy coverage now?

• It’s more accessible when you buy it through your employer and the premiums are conveniently deducted from your paycheck.
• Coverage is portable. You may take the coverage with you if you leave the company or retire. You’ll be billed at home.

Who can get coverage?

• You:  Choose $15,000 of coverage with no medical underwriting to qualify if you apply during this enrollment.
• Your spouse:  Your spouse can get $15,000 of coverage as long as you have purchased coverage for yourself.
• Your children:  Children from live birth to age 26 are automatically covered at no extra cost. Their coverage amount is 100% of yours. 

Be Well Benefit

• Every year, each family member who has Critical Illness coverage can also receive $50 for getting a covered Be Well Benefit screening test, like an annual physical or screens for cancer, cardiovascular function screening cholesterol and diabetes screening or immunizations.

Hospital Indemnity Insurance

Group Hospital Insurance 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.

Why is this coverage so valuable?

• The money is payable 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 co-insurance, co-pays and deductibles.
• You get accessible rates when you buy this coverage at work.
• The cost is conveniently deducted from your paycheck.
• The benefits in this plan are compatible with a Health Savings Account (HSA).
• You may take the coverage with you if you leave the company or retire. You’ll be billed directly.
• The plan provides enhanced Hospital benefits of 25% when you use hospitals owned, operated, or controlled by your employer. This enhanced benefit applies to Hospital Admission and Hospital Daily Stay.
   

Who can get coverage?
You:  If you’re actively at work*
Your spouse:  Can get coverage as long as you have purchased coverage for yourself.
Your children: Dependent children from birth until their 26th birthday, regardless of marital or student status.

Be Well Benefit

• Every year, each family member who has Critical Illness coverage can also receive $50 for getting a covered Be Well Benefit screening test, like an annual physical or screens for cancer, cardiovascular function screening cholesterol and diabetes screening or immunizations.

How much does it cost?