Supplemental Medical

You can only enroll in the following plans during Open Enrollment or if you experience a Qualifying Life Event. You pay the full cost of coverage through after-tax paycheck deductions. To see your contributions and enroll, log in to Workday.

2024 supplemental medical plans

Key features at a glance

Supplemental medical plans provide:

Cash benefits

that you can use to pay expenses not covered by your primary medical coverage.

Flexibility

to spend your benefit payment on whatever costs you’re facing, including medical bills, transportation costs, child care fees, and daily living expenses.

Financial protection

against the high costs often associated with accidental injuries, a serious illness, or a hospital stay.

An inexpensive way to supplement

a high-deductible health plan, giving you a cost-effective package of coverage that may minimize your overall medical expenses.

No one plans to have an accident – but it can happen at any moment. Accident insurance supplements your primary medical plan by providing cash benefits in cases of covered off-the-job accidental injuries. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).

Benefits are paid:

• Directly to you
• In addition to any other coverage, like your primary medical plan or an Accidental Death & Dismemberment (AD&D) plan

The actual benefits you receive depend on the type of injuries you have and the medical services you need. You receive a cash benefit up to a specific amount for:

• Accidental death
• Dismemberment
• Dislocation or fracture
• Initial hospital confinement
• Intensive care
• Ambulance
• Medical expenses
• Organized sports benefit
• Outpatient physician’s treatment
• And more

A serious illness can strike at any time. Critical Illness coverage protects against the financial impact of certain illnesses, such as a heart attack, cancer, or stroke. If you experience a covered illness, you receive a lump-sum benefit payment to help cover out-of-pocket expenses for your treatment that are not covered by your medical plan. You also can use the money to take care of other expenses, such as housekeeping services, special transportation, and child care.

Choose from three benefit amount options:

• $10,000
• $20,000
• $30,000

Coverage is available:

• Without any health questions
• For your spouse at 50% of your benefit amount
• For your children, up to age 26, at 50% of your benefit amount at no additional cost

Benefits are paid:

• Directly to you
• Upon diagnosis of a covered serious condition like: heart attack, stroke, coronary artery disease, major organ transplant, end stage renal failure, non-invasive cancer, invasive cancer, skin cancer, advanced Alzheimer’s disease, advanced Parkinson’s disease, benign brain tumor, coma, complete blindness, complete hearing loss, and permanent paralysis

Hospital indemnity insurance helps protect you financially when you or a covered family member is admitted to the hospital for a covered illness or injury. If you are admitted to the hospital, you receive a lump-sum benefit payment to help cover out-of-pocket expenses for your treatment that are not covered by your medical plan. You also can use the money to take care of other expenses, like household bills. Read this important federally required compliance notice about hospital care insurance.

Benefits are paid:

• Directly to you
• In addition to any other coverage, like your primary medical plan or an Accidental Death & Dismemberment (AD&D) plan

The Aetna Hospital Plan pays lump sum benefits to you or a covered family member for the following hospital or facility stays:

• Hospital admissions (once per member, per plan year)
• Daily stays in a hospital, ICU, rehabilitation, substance abuse or mental disorder facility (up to 30 combined days per member, per plan year)
• Observation (once per member, per plan year)
• Routine newborn care (once per birth for a delivery in a hospital)