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SUPPLEMENTAL INSURANCE

  • Sections
    • Overview
    • Accident Insurance
    • Critical Illness Insurance
    • Hospital Indemnity Insurance
  • Contacts

    Workday

    Human Resources

    Supplemental Insurance

    800-244-6224

    Accident Insurance, Critical Illness Insurance, Hospital Indemnity Insurance
  • Documents
    • 2025 Accident Insurance Benefit Summary
    • 2025 Critical Illness Benefit Summary
    • 2025 Hospital Indemnity Benefit Summary

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

Overview

You pay the full cost of coverage through after-tax paycheck deductions. Our supplemental insurance plans are administered by Cigna.

Accident Insurance

Administered by: Cigna

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

Details
Critical Illness Insurance

Administered by: Cigna

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

Details
Hospital Indemnity Insurance

Administered by: Cigna

Hospital indemnity insurance provides financial support to alleviate the unexpected costs of a hospital stay.

Details
Key features at a glance

Supplemental medical plans provide:

Cash benefits

that you can use as you choose.

Flexibility

to spend your benefit payment on whatever costs you’re facing, including medical bills, transportation costs, childcare fees, and daily living expenses.

Financial protection

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

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 insurance 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.

Payments under these plans don’t coordinate with, or otherwise reduce, benefits payable under any of Conga’s other programs (i.e. disability, medical, and/or life plans).

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).

Accident insurance pays a cash benefit for covered accidents, such as:

  • Ambulance
  • Fractures, burns, lacerations
  • Initial hospital confinement
  • Intensive care

There are two plan options:

  • Low Plan: Pays lower level of benefits
  • High Plan: Pays higher level of benefits

Benefits are paid directly to you, unless you assign them to someone else. The actual benefit amounts depend on the type of injuries you have and the medical services you need. This does not affect benefits under your medical plan or count as income for disability purposes.

Monthly costs for accident insurance are below.

Accident InsuranceLow PlanHigh Plan
Accident Insurance EE onlyLow Plan $3.99High Plan $5.83
Accident Insurance EE + SpouseLow Plan $7.98High Plan $11.66
Accident Insurance EE + Child(ren)Low Plan $8.38High Plan $12.25
Accident Insurance EE + FamilyLow Plan $12.36High Plan $18.08
Accident InsuranceEE only
Low Plan$3.99
High Plan$5.83
Accident InsuranceEE + Spouse
Low Plan$7.98
High Plan$11.66
Accident InsuranceEE + Child(ren)
Low Plan$8.38
High Plan$12.25
Accident InsuranceEE + Family
Low Plan$12.36
High Plan$18.08

Critical Illness Insurance

Critical Illness coverage protects against the financial impact of certain illnesses, such as a heart attack, cancer, or stroke. There’s also a $50 benefit for receiving covered wellness screenings.

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 as you need to.

Choose from the following benefit coverage options:

 Low PlanHigh Plan
Employee coverage$10,000$20,000 or $30,000
Spouse coverage50% of employee amount50% of employee amount
Child(ren) coverage50% of employee amount50% of employee amount
Accident InsuranceEE only
Low Plan$3.99
High Plan$5.83
Accident InsuranceEE + Spouse
Low Plan$7.98
High Plan$11.66
Accident InsuranceEE + Child(ren)
Low Plan$8.38
High Plan$12.25
Accident InsuranceEE + Family
Low Plan$12.36
High Plan$18.08

Benefits are paid directly to you as a lump-sum cash benefit, unless assigned to someone else. For specific covered conditions, you receive a cash payment of $10,000 or $20,000 (based on your selected coverage).

Monthly costs for critical illness are below.

Critical IllnessLow Plan ($10,000 Coverage)
Age BandEE onlyEE + SpouseEE + ChildrenFamily
0-24$1.62$4.23$1.62$4.23
25-29$2.11$5.21$2.11$5.21
30-34$3.02$7.02$3.02$7.02
35-39$4.38$9.74$4.38$9.74
40-44$6.59$14.17$6.59$14.17
45-49$9.12$19.23$9.12$19.23
50-54$13.57$28.19$13.57$28.19
55-59$19.52$40.11$19.52$40.11
60-64$28.71$58.55$28.71$58.55
65-69$39.36$79.89$39.36$79.89
70-74$55.12$111.45$55.12$111.45
75+$55.12$138.40$55.12$138.40
Critical IllnessHigh Plan ($20,000 Coverage)
Age BandEE onlyEE + SpouseEE + ChildrenFamily
0-24$3.24$8.46$3.24$8.46
25-29$4.22$10.42$4.22$10.42
30-34$6.04$14.04$6.04$14.04
35-39$8.76$19.48$8.76$19.48
40-44$13.18$28.34$13.18$28.34
45-49$18.24$38.46$18.24$38.46
50-54$27.14$56.38$27.14$56.38
55-59$39.04$80.22$39.04$80.22
60-64$57.42$117.10$57.42$117.10
65-69$78.72$159.78$78.72$159.78
70-74$110.24$222.90$110.24$222.90
75+$110.24$276.80$110.24$276.80
Critical IllnessHigh Plan ($30,000 Coverage)
Age BandEE onlyEE + SpouseEE + ChildrenFamily
Critical Illness 0-24$4.86$12.69$4.86$12.69
Critical Illness 25-29$6.33$15.63$6.33$15.63
Critical Illness 30-34$9.06$21.06$9.06$21.06
Critical Illness 35-39$13.14$29.22$13.14$29.22
Critical Illness 40-44$19.77$42.51$19.77$42.51
Critical Illness 45-49$27.36$57.69$27.36$57.69
Critical Illness 50-54$40.71$84.57$40.71$84.57
Critical Illness 55-59$58.56$120.33$58.56$120.33
Critical Illness 60-64$86.13$175.65$86.13$175.65
Critical Illness 65-69$118.08$239.67$118.08$239.67
Critical Illness 70-74$165.36$334.35$165.36$334.35
Critical Illness 75+$165.36$415.20$165.36$415.20
Critical Illness0-24
Low Plan ($10,000 Coverage)$1.62
Low Plan ($10,000 Coverage)$4.23
Low Plan ($10,000 Coverage)$1.62
Low Plan ($10,000 Coverage)$4.23
Critical Illness25-29
Low Plan ($10,000 Coverage)$2.11
Low Plan ($10,000 Coverage)$5.21
Low Plan ($10,000 Coverage)$2.11
Low Plan ($10,000 Coverage)$5.21
Critical Illness30-34
Low Plan ($10,000 Coverage)$3.02
Low Plan ($10,000 Coverage)$7.02
Low Plan ($10,000 Coverage)$3.02
Low Plan ($10,000 Coverage)$7.02
Critical Illness35-39
Low Plan ($10,000 Coverage)$4.38
Low Plan ($10,000 Coverage)$9.74
Low Plan ($10,000 Coverage)$4.38
Low Plan ($10,000 Coverage)$9.74
Critical Illness40-44
Low Plan ($10,000 Coverage)$6.59
Low Plan ($10,000 Coverage)$14.17
Low Plan ($10,000 Coverage)$6.59
Low Plan ($10,000 Coverage)$14.17
Critical Illness45-49
Low Plan ($10,000 Coverage)$9.12
Low Plan ($10,000 Coverage)$19.23
Low Plan ($10,000 Coverage)$9.12
Low Plan ($10,000 Coverage)$19.23
Critical Illness50-54
Low Plan ($10,000 Coverage)$13.57
Low Plan ($10,000 Coverage)$28.19
Low Plan ($10,000 Coverage)$13.57
Low Plan ($10,000 Coverage)$28.19
Critical Illness55-59
Low Plan ($10,000 Coverage)$19.52
Low Plan ($10,000 Coverage)$40.11
Low Plan ($10,000 Coverage)$19.52
Low Plan ($10,000 Coverage)$40.11
Critical Illness60-64
Low Plan ($10,000 Coverage)$28.71
Low Plan ($10,000 Coverage)$58.55
Low Plan ($10,000 Coverage)$28.71
Low Plan ($10,000 Coverage)$58.55
Critical Illness65-69
Low Plan ($10,000 Coverage)$39.36
Low Plan ($10,000 Coverage)$79.89
Low Plan ($10,000 Coverage)$39.36
Low Plan ($10,000 Coverage)$79.89
Critical Illness70-74
Low Plan ($10,000 Coverage)$55.12
Low Plan ($10,000 Coverage)$111.45
Low Plan ($10,000 Coverage)$55.12
Low Plan ($10,000 Coverage)$111.45
Critical Illness75+
Low Plan ($10,000 Coverage)$55.12
Low Plan ($10,000 Coverage)$138.40
Low Plan ($10,000 Coverage)$55.12
Low Plan ($10,000 Coverage)$138.40
Critical Illness0-24
High Plan ($20,000 Coverage)$3.24
High Plan ($20,000 Coverage)$8.46
High Plan ($20,000 Coverage)$3.24
High Plan ($20,000 Coverage)$8.46
Critical Illness25-29
High Plan ($20,000 Coverage)$4.22
High Plan ($20,000 Coverage)$10.42
High Plan ($20,000 Coverage)$4.22
High Plan ($20,000 Coverage)$10.42
Critical Illness30-34
High Plan ($20,000 Coverage)$6.04
High Plan ($20,000 Coverage)$14.04
High Plan ($20,000 Coverage)$6.04
High Plan ($20,000 Coverage)$14.04
Critical Illness35-39
High Plan ($20,000 Coverage)$8.76
High Plan ($20,000 Coverage)$19.48
High Plan ($20,000 Coverage)$8.76
High Plan ($20,000 Coverage)$19.48
Critical Illness40-44
High Plan ($20,000 Coverage)$13.18
High Plan ($20,000 Coverage)$28.34
High Plan ($20,000 Coverage)$13.18
High Plan ($20,000 Coverage)$28.34
Critical Illness45-49
High Plan ($20,000 Coverage)$18.24
High Plan ($20,000 Coverage)$38.46
High Plan ($20,000 Coverage)$18.24
High Plan ($20,000 Coverage)$38.46
Critical Illness50-54
High Plan ($20,000 Coverage)$27.14
High Plan ($20,000 Coverage)$56.38
High Plan ($20,000 Coverage)$27.14
High Plan ($20,000 Coverage)$56.38
Critical Illness55-59
High Plan ($20,000 Coverage)$39.04
High Plan ($20,000 Coverage)$80.22
High Plan ($20,000 Coverage)$39.04
High Plan ($20,000 Coverage)$80.22
Critical Illness60-64
High Plan ($20,000 Coverage)$57.42
High Plan ($20,000 Coverage)$117.10
High Plan ($20,000 Coverage)$57.42
High Plan ($20,000 Coverage)$117.10
Critical Illness65-69
High Plan ($20,000 Coverage)$78.72
High Plan ($20,000 Coverage)$159.78
High Plan ($20,000 Coverage)$78.72
High Plan ($20,000 Coverage)$159.78
Critical Illness70-74
High Plan ($20,000 Coverage)$110.24
High Plan ($20,000 Coverage)$222.90
High Plan ($20,000 Coverage)$110.24
High Plan ($20,000 Coverage)$222.90
Critical Illness75+
High Plan ($20,000 Coverage)$110.24
High Plan ($20,000 Coverage)$276.80
High Plan ($20,000 Coverage)$110.24
High Plan ($20,000 Coverage)$276.80
Critical Illness0-24
High Plan ($30,000 Coverage)$4.86
High Plan ($30,000 Coverage)$12.69
High Plan ($30,000 Coverage)$4.86
High Plan ($30,000 Coverage)$12.69
Critical Illness25-29
High Plan ($30,000 Coverage)$6.33
High Plan ($30,000 Coverage)$15.63
High Plan ($30,000 Coverage)$6.33
High Plan ($30,000 Coverage)$15.63
Critical Illness30-34
High Plan ($30,000 Coverage)$9.06
High Plan ($30,000 Coverage)$21.06
High Plan ($30,000 Coverage)$9.06
High Plan ($30,000 Coverage)$21.06
Critical Illness35-39
High Plan ($30,000 Coverage)$13.14
High Plan ($30,000 Coverage)$29.22
High Plan ($30,000 Coverage)$13.14
High Plan ($30,000 Coverage)$29.22
Critical Illness40-44
High Plan ($30,000 Coverage)$19.77
High Plan ($30,000 Coverage)$42.51
High Plan ($30,000 Coverage)$19.77
High Plan ($30,000 Coverage)$42.51
Critical Illness45-49
High Plan ($30,000 Coverage)$27.36
High Plan ($30,000 Coverage)$57.69
High Plan ($30,000 Coverage)$27.36
High Plan ($30,000 Coverage)$57.69
Critical Illness50-54
High Plan ($30,000 Coverage)$40.71
High Plan ($30,000 Coverage)$84.57
High Plan ($30,000 Coverage)$40.71
High Plan ($30,000 Coverage)$84.57
Critical Illness55-59
High Plan ($30,000 Coverage)$58.56
High Plan ($30,000 Coverage)$120.33
High Plan ($30,000 Coverage)$58.56
High Plan ($30,000 Coverage)$120.33
Critical Illness60-64
High Plan ($30,000 Coverage)$86.13
High Plan ($30,000 Coverage)$175.65
High Plan ($30,000 Coverage)$86.13
High Plan ($30,000 Coverage)$175.65
Critical Illness65-69
High Plan ($30,000 Coverage)$118.08
High Plan ($30,000 Coverage)$239.67
High Plan ($30,000 Coverage)$118.08
High Plan ($30,000 Coverage)$239.67
Critical Illness70-74
High Plan ($30,000 Coverage)$165.36
High Plan ($30,000 Coverage)$334.35
High Plan ($30,000 Coverage)$165.36
High Plan ($30,000 Coverage)$334.35
Critical Illness75+
High Plan ($30,000 Coverage)$165.36
High Plan ($30,000 Coverage)$415.20
High Plan ($30,000 Coverage)$165.36
High Plan ($30,000 Coverage)$415.20

Hospital Indemnity Insurance

A trip to the hospital can be stressful, and so can the bills. Hospital indemnity insurance provides benefits to help alleviate the unexpected costs of a hospital stay. The plan pays benefits to help cover expenses when you're admitted to the hospital for a covered illness or injury, such as:

  • Deductibles
  • Coinsurance
  • Household bills
  • And more

Coverage is available for you, your spouse, and dependent children. Monthly costs for hospital indemnity are below.

Hospital IndemnityMonthly Cost
EE only$13.86
EE + Spouse$35.33
EE + Child(ren)$26.93
EE + Family$48.40
  • Sections
    • Overview
    • Accident Insurance
    • Critical Illness Insurance
    • Hospital Indemnity Insurance
  • Contacts

    Workday

    Human Resources

    Supplemental Insurance

    800-244-6224

    Accident Insurance, Critical Illness Insurance, Hospital Indemnity Insurance
  • Documents
    • 2025 Accident Insurance Benefit Summary
    • 2025 Critical Illness Benefit Summary
    • 2025 Hospital Indemnity Benefit Summary

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