Supplemental Insurance

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

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.

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.

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:

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.

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.