Supplemental Insurance

The plan covers a wide range of accidental injuries and medical services. Concussions, burns, fractures and dislocations can result in many medical expenses. Accident insurance pays a benefit for the covered injury and related services, from the ambulance ride to the ER visit, surgery, hospital stay and follow-up care.

Your benefit is paid directly to you, not your medical provider. Use it to pay for anything you like, from your deductible, copays or other out-of-pocket medical expenses, to childcare, house cleaning, groceries or utility bills.

You'll receive an additional 25 percent if your child is injured during an organized youth activity. Whether it's a football game, volleyball match or dance class, the plan will pay you an extra 25 percent of the total amount on top of your benefit. 

The insurance is portable. You may be able to continue your policy by direct bill if your employment ends, the group policy terminates or you no longer meet eligibility guidelines.

Critical illness insurance pays you a fixed lump sum if you are diagnosed with a serious medical condition. Depending on where you live, the plan covers a variety of illnesses and childhood diseases. After you elect the amount of the maximum benefit you want to receive — $10,000, $20,000 or $30,000 — you may enroll your spouse/domestic partner and your children.

Your benefit is paid directly to you, not your medical provider. Use it to pay for anything you like, from your deductible, copays or other out-of-pocket medical expenses, to childcare, house cleaning, groceries or utility bills.

You'll receive an additional benefit if the illness reoccurs. If you are diagnosed with a critical illness and are later diagnosed again with the same disease, a one-time reoccurrence benefit will be paid if you meet eligibility requirements.

Hospitalization due to childbirth, injury or illness — including COVID-19 and mental health — is covered. Regardless of your treatment costs or other health insurance you might have, the plan will pay you a fixed benefit for a hospital admission, each day of a hospital stay and days spent in a critical care unit. 

Choose how to spend your benefit. Once your claim is approved, your benefit will be paid directly to you. It's your money, so you can use it to pay for anything you want, from medical bills to groceries, rent or childcare.

You'll get a break from paying your premium during a long hospital stay. If you are in the hospital for 30 days or more, your premium payment will be waived until the last day of the month you are discharged.