Voluntary supplemental health benefits provide an additional layer of financial protection for you and your family. If you suffer an unexpected, covered accident, are diagnosed with a covered illness or experience a covered hospital stay, you’ll be paid a cash benefit which you can use to pay for whatever you want, including medical deductibles, childcare, groceries, etc. – it’s up to you!
Accident Insurance
A cash benefit paid directly to you when you face an unexpected, covered accident, such as an ankle sprain or arm fracture. The Accident Insurance plan provides 24-hour coverage and includes AD&D benefits. You can select from 2 plan options and you’re able to enroll your dependents. The table below highlights only some of the covered benefits:
Covered Benefits | Plan 1 | Plan 2 |
|---|---|---|
| Ground Ambulance | $300 | $400 |
| Emergency Care Treatment | $100 | $200 |
| Hospital Admission | $500 | $1,000 |
| Hospital Stay (limited to 365 days) | $100 per day | $200 per day |
| Leg Fracture (Non-Surgical) | $500 | $1,000 |
| Follow-up PT visits (10/accident) | $25 | $50 |
| Loss of Life Accidental Death Spouse & Child – 50% of amount | $25,000 | $50,000 |
Critical Illness Insurance
A cash benefit paid directly to you when you are diagnosed with a covered illness, such as a heart attack or cancer. With the Critical Illness plan you can elect either $10,000 or $20,000 worth of coverage and you can enroll your dependents – spouses are covered for 50% of the issued employee benefit amount and children are covered for 25%. The table below highlights only some of the covered benefits:
Covered Benefits | % of elected Benefit Amount |
|---|---|
| Invasive Cancer | 100% |
| Skin Cancer | $250 |
| Heart Attack | 100% |
| Severe Sepsis | 25% |
| Crohn’s Disease | 25% |
Wellness Treatment, Health Screening Test
$50 per insured person per year for completing routine wellness treatments or health screening tests.
Below is an example of how the Critical Illness plan works:
Donna’s life was turned upside down when she suffered a heart attack, which was followed by a stroke only a month later. Not only did she miss work, but so did her husband to help her during her recovery. Their income took a hit and bills piled up. Donna had enrolled in Cigna Critical Illness plan with a $20,000 benefit amount per diagnosis. She received a total benefit payment of $40,000 in her family’s greatest time of need.
Hospital Indemnity Insurance
A cash benefit paid directly to you when you experience a covered hospital stay for events such as an in-patient procedure or the birth of a child. You can enroll your dependents and their benefit amounts match yours. The table below highlights only some of the covered benefits:
Covered Benefits | Benefit Amount |
|---|---|
| Hospital Admission (1 per 365 days) | $1,000 |
| Hospital Stay (limited to 30 days every 90 days) | $100 per day |
| Hospital ICU Stay (limited to 30 days every 90 days) | $200 per day |
| Hospital Observation Stay (24-hour elimination; limited to 72-hours) | $100 per day |
| Newborn Nursery Care Stay (limited to 30 days; 1 benefit per newborn) | 25% |
Key Features to Consider with Supplemental Health Benefits:
- Guarantee issue, regardless of medical history. No evidence of insurability needed–
you just must enroll during Open Enrollment or throughout the year if you experience a qualifying life event - Supplement your medical plan. Benefits are paid in addition to other coverage you may have.
- Cost-effective. Your premium is conveniently deducted from your paycheck at a low group rate.
- Flexible. Use the money however you want. Pay for anything, including medical deductibles, childcare, groceries, etc. It’s up to you.
- Take it with you. You can take coverage with you if you leave employment with Operation Smile.