Even with comprehensive coverage from your primary medical plan, you will still have some out-of-pocket expenses if you get critically ill, are seriously injured, or need to be hospitalized. SCAN’s supplemental medical insurance offers additional protection to help you cover costs that arise in these situations.



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.

Voluntary Medical Plans

Accident Insurance

Unum Insurance Company

Accident insurance helps protect you from unexpected financial stress if you or a covered family member has an accident.

Critical Illness Insurance

Unum Insurance Company

When a serious illness strikes, critical illness insurance provides financial support to help you through a difficult time.

Hospital Indemnity

Unum Insurance Company

Hospital indemnity coverage pays a lump-sum benefit for treatment received due to an accident or illness.

Key Features at a Glance

Supplemental medical plans provide:

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Cash benefits

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.

Financial protection

against the high costs often associated with accidental injuries, a serious illness, or a hospital stay.

An inexpensive way to supplement

a high-deductible health plan, giving you a cost-effective package of coverage that may minimize your overall medical expenses.

Keep in Mind

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

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:

  • Directly to you, unless assigned to someone else
  • In addition to any other coverage, like your primary medical plan or an Accidental Death & Dismemberment (AD&D) plan

You receive a cash benefit up to a specific amount for:

  • Accidental death
  • Dismemberment
  • Dislocation or fracture
  • Initial hospital confinement
  • Intensive care
  • Ambulance
  • Medical expenses
  • Outpatient physician’s treatment

The actual benefit amounts depend on the type of injuries you have and the medical services you need.


Critical Illness Insurance

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:

  • Employee - $30,000 or $15,000 (for either option, children covered under employee)
  • Spouse - $15,000 or $7,500

Benefits are paid:

  • Directly to you, unless assigned to someone else
  • Up to twice per year

You also are eligible for an annual $50 wellness benefit when you receive one of the 17 wellness screenings included in your contract.


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.

You may take the coverage with you if you leave the company or retire. You’ll be billed directly.

Benefits are paid:

  • 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 coinsurance, copays and deductibles.
  • The benefits in this plan are compatible with a Health Savings Account (HSA).