Accident Insurance
Accident insurance helps protect you from unexpected financial stress if you or a covered family member has an accident.
You can enroll in any combination of the following plans as a new hire, during Open Enrollment, or if you have a qualifying life event. You pay the full cost of coverage through after-tax paycheck deductions. To see your premiums and enroll, log in to the Employee Central website.
Accident insurance helps protect you from unexpected financial stress if you or a covered family member has an accident.
When a serious illness strikes, critical illness insurance provides financial support to help you through a difficult time.
Hospital indemnity coverage pays a lump-sum benefit for treatment received due to an accident or illness.
Supplemental medical plans provide:
that you can use to pay expenses not covered by your primary medical coverage.
to spend your benefit payment on whatever costs you’re facing, including medical bills, transportation costs, child care fees, and daily living expenses.
against the high costs often associated with accidental injuries, a serious illness, or a hospital stay.
a high-deductible health plan, giving you a cost-effective package of coverage that may minimize your overall medical expenses.
On their own, supplemental medical plans don’t provide comprehensive medical coverage for your day-to-day health care needs. Rather, they’re intended to supplement the coverage provided by your primary medical plan.
Accident insurance supplements your primary medical plan by providing cash benefits in cases of covered accidental injuries. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).
Benefits are paid:
You receive a cash benefit up to a specific amount for:
The actual benefit amounts depend on the type of injuries you have and the medical services you need.
Critical Illness coverage protects against the financial impact of certain illnesses, such as a heart attack, cancer, or stroke. If you experience a covered illness, you receive a lump-sum benefit payment to help cover out-of-pocket expenses for your treatment that are not covered by your medical plan. You also can use the money to take care of other expenses, such as housekeeping services, special transportation, and child care.
Benefit coverage options:
Benefits are paid:
You also are eligible for an annual $50 wellness benefit when you receive one of the 17 wellness screenings included in your contract.
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.
You may take the coverage with you if you leave the company or retire. You’ll be billed directly.
Benefits are paid: