Supplemental Health Solutions

While your medical plan provides comprehensive coverage, if you have an accident or a major illness, you may be facing substantial out-of-pocket expenses. Between medical bills, taking time off work, and other costs, your expenses can add up quickly. Voluntary Benefits help bridge the gap and offer lump sum payments when the unexpected happens. These lump sum payments are made directly to you if your claim is deemed payable under the plan, regardless of what your medical insurance has covered. You can use these funds as you see fit. 

Accident Insurance

You can purchase Accident insurance through Cigna to help pay for expenses related to unexpected accidents and injuries. The plan pays you a cash benefit to help with expenses like rehabilitation, transportation, and treatment for injuries resulting from an off-the-job accident. The plan also pays you a benefit for staying well! Complete one wellness visit, health screening test, or preventive service each year to earn a $75 benefit. Each of your enrolled dependents can earn the benefit, too!

Accident Insurance Example

As an active person, Grace knows accidents are possible, so she elects Accident insurance. While she is playing soccer, she is hit in the head and knocked unconscious. At the hospital, the doctor orders an MRI and diagnoses her with a concussion. Because her Accident insurance pays a set amount for things like ambulance transportation, MRIs, and concussions, she receives a lump sum of $1,350 to help cover some of the costs associated with her care.

Hospital Indemnity Insurance

An unexpected hospital stay can be expensive, even with medical insurance. You can purchase Hospital Indemnity insurance through Cigna to help pay for expenses related to a qualified hospital stay for a covered injury or illness. The benefit you receive depends on the type of care you receive at the hospital and the length of your stay. The benefit amount is not dependent upon what other major medical coverage pays.

Hospital Indemnity Insurance Example

Jessica is savvy enough to know that sometimes illness can knock you off your feet and purchases Hospital Indemnity insurance on top of her medical plan. In March, she is hospitalized with pneumonia for three days. Her coverage means she receives a total of $5,000, which she can use for medical bills, prescriptions, and childcare expenses. Even in a stressful situation, Jessica has peace of mind knowing her family’s financial needs will be met.

Critical Illness Insurance

Critical Illness insurance through Cigna can help pay for expenses related to the diagnosis of a serious illness—including cancer, heart attack, or stroke. This valuable coverage can help alleviate your worry about bills and finances, so you can focus on healing and recovery. The plan also pays you a benefit for staying well! Complete one wellness visit, health screening test, or preventive service each year to earn a $50 benefit for each enrolled family member. Covered adults are also able to receive a $200 mammography benefit (cannot receive both the mammography and wellness benefit in the same year). You can elect coverage for yourself and your eligible family members in the following amounts:

Upon diagnosis of a covered illness, the lump-sum benefit is paid directly to you (unless otherwise assigned), regardless of other major medical coverage you may already have. You can use the funds to pay for medical bills, to continue making rent or mortgage payments, or however you see fit. Your cost for Critical Illness insurance is based on your age and the level of coverage you purchase.

Critical Illness Insurance Example

Manny has a family history of heart disease so he decides to elect $20,000 of Critical Illness coverage during Open Enrollment. One Saturday morning, Manny suffers a heart attack while playing golf. Thanks to Critical Illness insurance, Manny receives $20,000, which will help him cover his medical expenses and recovery needs while he is on leave from work. He can use that money how he sees fit, including to pay for the deductible on his health plan.