Additional Benefits
You have the option to purchase hospital indemnity insurance, which pays you benefits while you are confined to a hospital. This type of coverage is helpful because it reduces the impact of high deductibles and additional out-of-pocket costs that other insurance may not cover.
Benefits |
|
|---|---|
Hospital/ICU Admission |
$1,000 per admission, limited to 1 admission per insured and 3 |
Hospital/ICU Confinement |
$100 per day, limited to 15 days per insured per benefit year |
Health Screening |
$50 per year |
Dependent Age Limits |
Child Birth to 26 years |
Treatments Covered |
Sickness and Injury |
You have the option to purchase accident insurance, which helps to protect your finances after an accident. You are paid a lump sum if you have a covered injury and can use the money to help pay out-of-pocket medical costs or everyday expenses.
Additional Benefits |
|
|---|---|
Accident Coverage |
On and off job |
Wellness Benefit |
Provides a $50 per year benefit for completing certain routine wellness screenings or |
Accident |
Benefit |
Accident |
Benefit |
|---|---|---|---|
Accident ER Treatment |
$150 |
Fracture |
Up to $4,500 |
Follow-Up Visit - Doctor |
$25 up to 6 treatments |
Hospital Admission |
$750 |
Air Ambulance |
$500 |
Hospital Confinement |
$175/day, up to 1 year |
Ambulance |
$100 |
Hospital ICU Admission |
$1,500 |
Appliance |
$100 |
Hospital ICU Confinement |
$350/day, up to 14 days |
Blood/Plasma/Platelets |
$300 |
Initial Physician's Office/ |
$50 |
Burns |
2nd Degree: $0-$3,000 |
Knee Cartilage |
$500 |
Burn - Skin Graft |
50% of burn benefit |
Joint Replacement |
$750-$1,500 |
Coma |
$7,500 |
Laceration |
Up $300 |
Concussions |
$50 |
Lodging |
$100/day, up to 30 days |
Dislocations |
Up to $3,600 |
Physical Therapy |
$25/day up to 10 days |
Diagnostic Exam (Major) |
$100 |
Surgery |
$125-$1,000 |
Emergency Dental Work |
$200/Crown $50/Extraction |
Tendon/Ligament/Rotator |
$250-$500 |
Epidural Pain |
$100, 2x per accident |
Transportation |
$400, 3x per accident |
Eye Injury |
$200 |
X-Ray |
$20 |
Family Care |
$20/day up to 30 days |
See plan description for a complete list of benefits. |
Accidental Death and Catastrophic Loss |
|||
|---|---|---|---|
Death Benefit |
Employee: $25,000 |
Spouse: $10,000 |
Child: $5,000 |
Catastrophic Loss |
Quadriplegia: 100% of AD&D |
Loss of cognitive function: 100% of |
Hemiplegia: 50% of AD&D |
Dismemberment |
|
|---|---|
Hand, Foot, Sight |
Single: 50% of AD&D benefit |
Thumb/Index Finger Same Hand, Four Fingers Same |
25% of AD&D benefits |
You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.
Critical Illness Benefits |
|
|---|---|
Employee Amount |
Employee may choose a lump sum benefit of $5,000, or $10,000 |
Dependent Amount |
Spouse may choose a lump sum benefit of $2,500 or $5,000 up to 50% of the employee |
Dependent Age |
0 days to 26 years |
Benefit Reduction |
Benefit reduces by 50% at age 70 |
Wellness Benefit |
Provides a per year benefit for completing certain routine wellness screenings or |
Spouse Rates |
Spouse rate is based on employee's age bracket. |
Child Rates |
Child cost is included with employee election. |
Covered Conditions |
First Occurrence |
Second Occurrence |
|---|---|---|
Invasive Cancer |
100% |
50% |
Carcinoma In Situ |
30% |
0% |
Benign Brain Tumor |
75% |
0% |
Skin Cancer |
$250 |
Not Covered |
Heart Attack |
100% |
50% |
Stroke |
100% |
50% |
Heart Failure |
100% |
50% |
Coronary Arteriosclerosis |
30% |
0% |
Organ Failure |
100% |
50% |
Kidney Failure |
100% |
50% |
Childhood 100% Covered Conditions |
|---|
First occurrence of cerebral palsy, cleft lip/palate, club foot, cystic fibrosis, Down's Syndrome, muscular |