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.

Accident Insurance

• Accident coverage provides benefits for a wide range of common injuries and services (24-hour coverage – on or off the job).
• Includes a $50 wellness screening benefit.
• Benefits can be used as needed to pay medical bills or other common expenses.

An example of implementing Accident coverage:

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.

Critical Illness

• Fills a financial gap if you experience a serious illness such as cancer, heart attack, stroke, ALS, Advanced Alzheimer’s, Advanced Parkinson’s, major organ failure (see summary for full listing of covered conditions).
• Lump-sum benefit immediately upon diagnosis of a covered condition.
• This plan also includes a wellness benefit that pays $50 per year per insured when you receive a covered health screening such as a chest X-ray, colonoscopy, stress test, or blood test.

An example of implementing Critical Illness coverage:

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.

Hospital Indemnity

• Benefit available for hospital admission and stays.
• Includes a $50 wellness screening benefit.
• Use the benefit as you see fit!

An example of implementing your Hospital Indemnity coverage:

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.