Overview
While your primary medical coverage pays doctors and hospitals directly for costs related to your care, supplemental medical plans offered by UNUM pay cash benefits directly to you — you can use this money however you want.
Key features
Supplemental medical plans provide:
Cash benefits
to help you pay expenses not covered by your primary medical coverage.
Flexibility
to spend your benefit payment(s) on anything, including medical bills, transportation costs, child care fees, and daily living expenses.
Financial protection
against high costs related to accidental injuries, a serious illness, or a hospital stay.
You can enroll in one or more of the following plans as a new hire, during Open Enrollment, or if you have a qualifying life event.
Keep in mind
Supplemental medical plans only add to coverage provided by your primary medical plan. They don’t cover your day-to-day health care needs.
How much does supplemental medical coverage cost?
Supplemental medical coverage is relatively inexpensive. These plans often work well in combination with a high-deductible health plan, giving you some added peace of mind at a low cost. The amount you pay will depend on which plan(s) you choose and whether you cover just yourself or family members, too. In addition, critical illness insurance rates vary by age, tobacco use, and the benefit level you select.
You pay the full cost of coverage through post-tax paycheck deductions. You can view your plan costs on the SharePoint sites for Orange County and San Diego.
Accident Insurance
Accident insurance pays cash benefits to help cover the cost of treatment for covered accidental injuries. You can use this money to pay medical bills or anything else.
Accident insurance benefits
In the event of a covered accident, benefits are paid for initial treatment, follow-up care, hospitalizations, fractures and dislocations, and more. For example:
| Type of Treatment or Injury | Benefit Payment |
|---|---|
| Ambulance | $200 – $2,000 |
| Emergency room | $200 – $300 |
| Fractures* | $175 – $8,000 |
| Concussions | $200 – $400 |
| Second and third degree burns | $375 – $20,000 |
| Hospitalization | $1,000 – $2,000 admission + $200 – $300/day confinement (up to 365 days) |
| Surgery | $60 – $2,500 |
*Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.
Actual benefit amounts depend on the type of injuries you have and the medical services you need.
Be Well Benefit
Every year, each family member who has accident insurance coverage can also receive $100 for getting a covered Be Well Benefit screening test. Eligible screenings include annual exams by a physician; screenings for cancer; screenings for cholesterol and diabetes; and more.
Critical Illness Insurance
Critical illness insurance protects against the financial impact of certain health conditions, such as a heart attack, cancer, or stroke. If you’re diagnosed with a covered illness, you receive a lump-sum benefit payment that you can use however you want.
Critical illness insurance benefits
You can choose from $10,000 to $50,000 of coverage in increments of $10,000.
Spouses can get 100% of the employee coverage amount as long as you have purchased coverage for yourself. Eligible child(ren) can be added at no additional cost if you enroll in coverage for yourself.
Examples of covered conditions include:
- Heart attack
- Stroke
- Major organ failure
- Sudden cardiac arrest
- Coronary artery disease
- Cancer
- ALS
- Dementia, including Alzheimer's disease
Be Well Benefit
Every year, each family member who has critical illness coverage can also receive $100 for getting a covered Be Well Benefit screening test. Eligible screenings include annual exams by a physician; screenings for cancer; screenings for cholesterol and diabetes; and more.
Hospital Indemnity Insurance
Hospital indemnity insurance provides cash payments to help offset your share of the cost of a covered inpatient hospital stay. You receive lump-sum payments for your initial hospital admission, plus daily benefits throughout your hospitalization (up to annual plan limits).
Hospital indemnity insurance benefits
Examples of covered services include:
| Illness or condition | Benefit amount |
|---|---|
| Hospital admission | Payable for a maximum of 4 days per year Option 1: $2,000 Option 2: $1,000
|
| ICU admission (added to hospital admission) | Payable for a maximum of 4 days per year Option 1: $2,000 Option 2: $1,000
|
| Hospital daily stay | Payable per day up to 30 days Option 1: $200 Option 2: $100 |
| ICU daily stay (added to hospital daily stay) | Payable per day up to 30 days Option 1: $200 Option 2: $100 |
| Mental/nervous or substance abuse treatment | Payable for a maximum of 1 day per insured per calendar year Option 1: $250 Option 2: $250 |
Be Well Benefit
Every year, each family member who has hospital indemnity insurance coverage can also receive $100 for getting a covered Be Well Benefit screening test. Eligible screenings include annual exams by a physician; screenings for cancer; screenings for cholesterol and diabetes; and more.