Supplemental Medical

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 healthcare plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home healthcare costs, or any of your regular household expenses.

    What’s great about these plans are that they complement your existing healthcare coverage, filling in the gaps and offering financial support where it’s needed most. The best part? It’s entirely up to you. These plans are 100% voluntary, allowing you to choose the coverage that fits your lifestyle and priorities. It’s insurance that puts you in control, providing peace of mind when life takes unexpected turns.

    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.
    Plan Information

    Plan Name: XXXX

    Policy Number: #XXXX

    Effective Date: XX/XX/XXXX

    Network: XXXX

    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): $400
    Total Benefit Paid: $5,850

    What Accident Insurance Covers

    ●  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.

     

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      Sample Reimbursements

      Employee and Spouse: $5,000 – $30,000 in $5,000 increments
      Children: $1,000 – $15,000

      What Critical Illness Insurance Covers

      ●  Heart Attack

      ●  Multiple Sclerosis

      ●  Stroke

      ●  Alzheimer’s Disease

      ●  Parkinson’s Disease

      ●  Major Organ Failure