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.
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 $11,000 from his accident insurance coverage.
- He used it towards his deductible, copay, and supplemental income for his missed workdays.
Sample Reimbursements
Ground Ambulance: $400
Emergency Room: $400
X-Ray: $100
MRI: $400
Hospital Stay – Admission + 5 days: $4,000
Dislocated Hip: $5,000
Appliances: $400
Physical Therapy (4 sessions): $300
Total Benefit Paid: $11,000
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: Options of $10,000, $20,000, or $30,000
What Critical Illness Insurance Covers
- Heart Attack
- Multiple Sclerosis
- Stroke
- Alzheimer’s Disease
- Parkinson’s Disease
- Major Organ Failure
Hospital Indemnity
In April, Sarah had a heart attack.
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Sarah was admitted to the hospital for a heart attack.
- After admission, she spends 2 days in the hospital.
- Sarah submitted her claim and received a lump-sum payment of $1,300.
Sample Reimbursements
Total Benefit Paid: $1,300
What Hospital Insurance Covers
- Hospital Admission
- Hospital Confinement
- Hospital Intensive Care
- Surgical Care
- Medical Diagnostic and Imaging
- Transportation and Lodging