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 health care plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home health care costs, or any of your regular household expenses.

    What’s great about these plans are that they complement your existing health care 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 help you be prepared for the unexpected.

    The accident plan pays you a lump sum benefit depending on the covered accident you experience. Examples of covered accidents include fractures, dislocations, lacerations, burns, and some hospital care. Other advantages of accident insurance include the following:

    • You receive cash benefits for expenses that may not be covered under your medical insurance, and you use the money as you see fit.
    • There are no health questions to answer and no waiting period.
    • You can insure your spouse and children.
    • There is no limit to the amount of accidents you can claim under the policy (with exception to policy rules).
    Sample Reimbursements

    Deductible (Individual/Family)
    $XX/$XX

    Out-of-Pocket Max (Individual/Family)
    $XX/$XX

    Preventive Care
    $XX

    Primary Care Visit
    $XX

    Specialist Visit
    $XX

    Urgent Care
    $XX

    Emergency Room
    $XX

    Sample Scenario

    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.
    • He had a dislocated hip and spent five days in the hospital.
    • He had several physical therapy sessions before returning to work.
    • 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.
    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

    Critical Illness coverage helps you cover your bills when you need it most.

    If you are diagnosed with a critical illness, you will need extra financial support to help offset the treatment costs and cover your day-to-day expenses, so you can focus on your health.

    The critical illness plan pays a lump sum benefit if you are diagnosed with a covered illness, and you can use the benefit as you see fit.

    You may elect coverage for yourself, your spouse, and/or children. A set amount of money is paid directly to you to be used however you choose based on the amount you elect.

    Some of the covered illnesses include heart attack, stroke, paralysis, coma, and cancer.

    There are no medical exams or health questionnaires to complete.

    The cost for this coverage depends on your age.

        Sample Reimbursements

        Deductible (Individual/Family)
        $XX/$XX

        Out-of-Pocket Max (Individual/Family)
        $XX/$XX

        Preventive Care
        $XX

        Primary Care Visit
        $XX

        Specialist Visit
        $XX

        Urgent Care
        $XX

        Emergency Room
        $XX

        Sample Scenario

        Tom suffered a relatively small stroke.

        • He was hospitalized for five days.
        • He began rehab to get back to where he was physically before the stroke.
        • Tom submitted his claim and received a lump-sum payment of $10,000.
        What Critical Illness Insurance Covers

        • Heart Attack

        • Multiple Sclerosis

        • Stroke

        • Alzheimer’s Disease

        • Parkinson’s Disease

        • Major Organ Failure

        Hospital Indemnity

        Hospital Visits Bring Extra Costs. Be Prepared with Hospital Indemnity.

        Expenses from hospital visits can pile up quickly. While medical insurance typically pays the majority of the cost for hospital care, deductibles, copays, and non-covered medical services that may be expensive.

        The hospital indemnity plan pays the following benefits:

        • Hospital admission
        • Daily hospital confinement benefit
        • Intensive care unit confinement benefit

        Benefits are paid regardless of what is covered by medical insurance, and payments would be made directly to you to spend as you see fit.

        There are no medical exams or health questionnaires to complete.

        You may purchase this plan for yourself, your spouse, and/or your dependent children.

          Sample Reimbursements

          Deductible (Individual/Family)
          $XX/$XX

          Out-of-Pocket Max (Individual/Family)
          $XX/$XX

          Preventive Care
          $XX

          Primary Care Visit
          $XX

          Specialist Visit
          $XX

          Urgent Care
          $XX

          Emergency Room
          $XX

          Sample Scenario

          In April, Sarah unexpectedly needed back surgery.

          • Sarah was admitted to the hospital for surgery.
          • After surgery, she began physical therapy to increase her strength and flexibility.
          • Sarah submitted her claim and received a lump-sum payment of $1,000.
          What Hospital Insurance Covers

          • Hospital Admission

          • Hospital Confinement

          • Hospital Intensive Care

          • Surgical Care

          • Medical Diagnostic and Imaging

          • Transportation and Lodging