Supplemental Health Insurance
Plan/Group Number: 390245
(800) 444-5854
If you or a family member ever experiences an accident or serious illness, you (and your bank account) will be glad you put some safety nets in place. Hospital indemnity, accident, and critical illness insurance are optional plans that pay cash benefits directly to you if you experience a covered event, regardless of what your medical plan pays.
When deciding whether to enroll in voluntary supplemental health insurance, be sure to consider the following:
Expenses can mount when you or a family member is ill or injured. Your medical plan will help cover your medical bills, but what about those extra expenses, like meal delivery, transportation, or help with household chores?
Having extra insurance can come in handy, since these plans pay you cash to use however you want.
Here’s what you can expect from your voluntary supplemental coverage, whether you elect the accident, critical illness, or hospital indemnity insurance plan:
You and your covered dependents can earn a $50 annual wellness benefit by completing at least one eligible health screening, such as blood tests, a colonoscopy, or stress tests.
You may not be able to avoid accidents, but you can minimize the financial cost. Accident insurance pays you a benefit in the event you or your covered family members are injured in an accident. It’s not a replacement for medical coverage, but it can provide extra peace of mind by helping you pay for accident-related copays, deductibles, hospital charges, transportation fees, and lodging expenses.
If you have a serious health condition, critical illness coverage can help lighten the load. Critical illness insurance pays you a benefit if you or a covered family member is treated for a major medical event (such as a heart attack or stroke) or diagnosed with a critical illness (such as cancer or end-stage kidney disease). It’s not a replacement for medical coverage, but it can provide extra peace of mind by helping you pay for a deductible, coinsurance, or costs for any other services that may not be covered (e.g., long-term rehabilitation, home modification) by your medical plan.
How prepared would you be to pay for an unexpected hospital bill? Hospital indemnity insurance pays you a benefit in the event you or a covered family member is hospitalized for a covered accident, illness, or childbirth. It’s not a replacement for medical coverage, but it can provide extra peace of mind by helping you pay for copays, deductibles, and other incidental charges that can add up during a hospital stay.
Accident Insurance Coverage Level | Low Option | High Option |
---|---|---|
You Only | $3.54 | $5.03 |
You and Spouse or Domestic Partner | $5.51 | $8.87 |
You and Child(ren) | $6.59 | $9.77 |
You, Spouse or Domestic Partner, and Child(ren) | $10.09 | $14.93 |
Critical Illness Coverage Level | Employee, Non-Smoker $15,000 Benefit | Employee, Non-Smoker $30,000 Benefit | Employee, Smoker $15,000 Benefit | Employee, Smoker $30,000 Benefit |
---|---|---|---|---|
Under Age 25 | $1.59 | $3.18 | $1.66 | $3.32 |
Age 25–29 | $2.08 | $4.15 | $2.28 | $4.57 |
Age 30–34 | $2.56 | $5.12 | $2.98 | $5.95 |
Age 35–39 | $3.32 | $6.65 | $4.15 | $8.31 |
Age 40–44 | $4.78 | $9.55 | $6.85 | $13.71 |
Age 45–49 | $7.34 | $14.68 | $11.98 | $23.95 |
Age 50–54 | $10.32 | $20.63 | $18.14 | $36.28 |
Age 55–59 | $14.05 | $28.11 | $25.82 | $51.65 |
Age 60–64 | $21.12 | $42.23 | $41.12 | $82.25 |
Age 65–69 | $28.94 | $57.88 | $59.75 | $119.49 |
Age 70–74 | $39.74 | $79.48 | $81.21 | $162.42 |
Age 75+ | $53.72 | $107.45 | $102.05 | $204.09 |
Critical Illness Coverage Level | Spouse, Non-Smoker $15,000 Benefit | Employee, Non-Smoker $30,000 Benefit | Spouse, Smoker $15,000 Benefit | Spouse, Smoker $30,000 Benefit |
---|---|---|---|---|
Under Age 25 | $1.52 | $3.05 | $10.54 | $21.09 |
Age 25–29 | $2.01 | $4.02 | $13.90 | $27.80 |
Age 30–34 | $2.49 | $4.98 | $17.25 | $34.51 |
Age 35–39 | $3.32 | $6.65 | $23.01 | $46.01 |
Age 40–44 | $4.71 | $9.42 | $32.59 | $65.18 |
Age 45–49 | $6.72 | $13.43 | $46.49 | $92.98 |
Age 50–54 | $8.86 | $17.72 | $61.35 | $122.70 |
Age 55–59 | $11.28 | $22.57 | $78.12 | $156.25 |
Age 60–64 | $15.37 | $30.74 | $106.40 | $212.80 |
Age 65–69 | $21.67 | $43.34 | $150.02 | $300.04 |
Age 70–74 | $29.49 | $58.98 | $204.18 | $408.36 |
Age 75+ | $37.38 | $74.77 | $258.82 | $517.63 |
Critical Illness Coverage Level | $7,500 Benefit | $15,000 Benefit |
---|---|---|
Child(ren) | $0.52 | $1.04 |
Hospital Indemnity Insurance Coverage Level | Low Option | High Option |
---|---|---|
You Only | $4.76 | $8.94 |
You and Spouse or Domestic Partner | $10.51 | $19.85 |
You and Child(ren) | $8.88 | $17.41 |
You, Spouse or Domestic Partner, and Child(ren) | $15.60 | $30.03 |