Supplemental Medical

These plans are voluntary – you choose whether or not to purchase coverage. You pay 100% of the premiums for the elected plans. Enrollment occurs only during initial eligibility period and Open Enrollment. Coverage is provided through Aflac.

Accident Insurance

Just as it sounds, Accident insurance can help you pay for costs you may incur after a covered accidental injury. Covered accidents include a car accident, a fall while skiing or even a fall down the stairs at home. The benefit is paid regardless of any other insurance coverage you might have (including your medical coverage). Eligible expenses include:

Emergency Room Visits
Medical Exams
Fractures and/or Dislocations
Physical Therapy
Transportation and Lodging

How the Plan Works

The benefit amount is paid directly to you unless otherwise assigned. You can use the financial benefit in any way you like, including deductibles, child care, housecleaning, groceries, utilities, or any purpose that can help you meet your personal, financial or household needs. Below is an example scenario.

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 $5,850 from his accident insurance coverage.
He used it towards his deductible, copay and supplemental income for his missed work days.

SAMPLE REIMBURSEMENTS
Ground Ambulance	$300
Emergency Room	$150
X-ray	$50
MRI	$150
Hospital Stay – Admission + 5 days	$2,000
Dislocated Hip	$3,000
Appliances	$100
Physical Therapy (4 sessions)	$100
Total Benefit Paid	$5,850

Critical Illness Insurance

Critical Illness insurance pays a post-tax fixed benefit directly to each participant (unless otherwise assigned) who is diagnosed with a covered critical illness, re-occurrence benefits if the condition returns, and additional occurrence benefit if another covered illness is incurred (subject to limitations). You can use this money for any purpose you like. It can help pay for expenses not covered by your health care plan (such as your deductible or copays), lost income, child care, travel to and from treatment, home health care costs or any of your regular household expenses. The policy includes a $50 annual health screening benefit. Below is an example.

Tom suffered a relatively small stroke and 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.

Critical Illness Insurance

Heart Attack
Stroke
Kidney Failure (End-Stage Renal Failure)
Major Organ Transplant
Bone Marrow Transplant (Stem Cell Transplant)
Sudden Cardiac Arrest
Cancer (Internal or Invasive)

Employees select a benefit amount of either $10,000 or $30,000. Coverage is available for your Spouse up to 50% of the employee’s coverage. Children are automatically covered at 50% of employee’s coverage at no cost.

This plan is portable, so you may continue coverage if you leave the company for any reason.