Supplemental Medical

Just as it sounds, Supplemental Medial Plans – Accident, Critical Illness, and Hospital Indemnity insurance can help you pay for costs you may incur after an accidental injury, illness or hospitalization. These plans are 100% voluntary.

Supplemental Medical Plans pay a fixed, one-time benefit amount which you can use 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, childcare, travel to and from treatment, home health care costs, or any of your regular household expenses.

Accident Insurance

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 workdays.

Sample Reimbursements

Ground Ambulance


Emergency Room






Hospital Stay – Admission + 5 days


Dislocated Hip




Physical Therapy (4 sessions)


Total Benefit Paid


What Accident Insurance Covers

Employee and Spouse
Eligible Expenses
  • Emergency Room Visits
  • Hospital Stays
  • Fractures and Dislocations
  • Medical Exams – including major diagnostic exams
  • Physical Therapy
  • Transportation and Lodging – if you are away from home when the accident happens

Critical Illness

Tom suffered a relatively small stroke.

  • He 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.

Sample Reimbursements

Employee and Spouse

$5,000 – $30,000 in $5,000 increments


$1,000 – $15,000

What Critical Illness Insurance Covers

Employee and Spouse
$5,000 – $30,000 in $5,000 incements
Eligible Expenses
  • Heart Attack
  • Multiple Sclerosis
  • Stroke
  • Alzheimer’s Disease
  • Parkinson’s Disease
  • Major Organ Failure

Hospital Indemnity

In April, Sarah unexpectedly needed back surgery.

  • Sarah was admitted to the hospital for surgery.
  • After surgery, she began physical therapy to increase her strength and flexibility.
  • Sarah submitted her claim and received a lump-sum payment of $1,000.

Sample Reimbursement

Total Benefit Paid


What Hospital Indemnity Insurance Covers

Employee and Spouse
$5,000 – $30,000 in $5,000 incements
Eligible Expenses
  • Hospital Admission
  • Hospital Confinement
  • Hospital Intensive Care
  • Surgical Care
  • Medical Diagnostic and Imaging
  • Transportation and Lodging