Supplemental Medical Coverage

These supplemental medical coverage plans pay a cash benefit directly to you to help pay for expenses not covered by your medical plan:

• Accident insurance, if you’re injured in an accident outside of work.
• Critical illness insurance, if you’re diagnosed with a covered illness such as a heart attack, stroke or certain cancers.
• Hospital indemnity insurance, if you’re admitted to the hospital for a covered accident or illness, or childbirth.

How supplemental coverage works

An injury, serious medical condition or hospitalization can happen suddenly and impact you financially. Even with medical plan coverage, there are still out-of-pocket medical costs such as deductibles, copays and coinsurance.

Supplemental medical coverage pays you a lump sum cash benefit to lessen the financial burden while you receive treatment and recover. You can use the money for medical or non-medical expenses.

Who you can cover

If you enroll yourself in employee coverage, you can also enroll your spouse and dependent children.

Coverage details

View the plan summary (available in English and Spanish) to see what’s covered and how much the plan will pay:

• Accident insurance plan summary 
• Critical illness plan summary 
• Hospital indemnity plan summary 

Cost for coverage

You pay 100% of the cost for coverage through paycheck deductions.

How to enroll

You can enroll in supplemental coverage on SmartSource as a new hire, during open enrollment or if you experience a qualifying life event.

Coverage begins the first of the month following the date you were hired or became eligible for benefits.