Supplemental Insurance

Accident Insurance

Accident insurance supplements your medical plan by providing cash benefits in cases of accidental injuries. Benefits include hospital stays, fractures, dislocations, physical therapy and more. The cash benefits can be used to help offset out-of-pocket medical expenses (deductibles, coinsurance, etc.) or other expenses (lost income, household bills, etc.) arising from a covered accident. Accident insurance pays in addition to your medical plan, and benefits are payable regardless of any other insurance programs. Eligible employees and dependents will be able to elect coverage during Open Enrollment regardless of prior health history.

Hospital Indemnity Insurance

You might not realize that most primary health insurance plans do not cover all hospital costs. Hospital Indemnity insurance can complement your medical coverage by easing the financial impact of a hospitalization due to an accident or illness. Coverage is available for employees, spouses and families. Benefits are paid directly to employees unless otherwise specified and regardless of any other insurance. Eligible employees and dependents will be able to elect coverage during Open Enrollment regardless of prior health history.

Critical Illness Insurance

Critical Illness insurance helps protect against the financial impact of certain illnesses, such as heart attack, stroke, cancer and more. A lump-sum payment is paid directly to you and can be used to help offset out-of-pocket medical expenses (deductibles, coinsurance, etc.) or other expenses (lost income, household bills, etc.) arising from the critical illness. Critical Illness insurance pays in addition to your medical plan, and benefits are payable regardless of any other insurance programs. Eligible employees and dependents will be able to elect coverage during Open Enrollment regardless of prior health history.