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

Plan Documents

Plan Help & Support

What’s great about these plans are that they complement your existing healthcare 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

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.

Sample Reimbursements

Ground Ambulance: $300
Emergency Room: $150
X-Ray: $50
MRI: $150
Hospital Stay – Admission + 5 days: $2,000
Dislocated Hip: $3,000
Appliances: $100
Physical Therapy (4 sessions): $400

Total Benefit Paid: $5,850

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

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.

Sample Reimbursements

Employee and Spouse: $5,000 – $30,000 in $5,000 increments

Children: $1,000 – $15,000

What Critical Illness Insurance Covers

Heart Attack
Multiple Sclerosis
Stroke
Alzheimer’s Disease
Parkinson’s Disease
Major Organ Failure

Hospital Indemnity

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.

Sample Reimbursements

Total Benefit Paid: $1,000

What Hospital Insurance Covers

Heart Attack
Hospital Admission
Hospital Confinement
Hospital Intensive Care
Surgical Care
Medical Diagnostic and Imaging
Transportation and Lodging