These plans provide additional coverage for accidents and illnesses and are an economical way to supplement your healthcare and disability plans. You can choose to cover yourself, your spouse and your children. In the event of a covered illness or accident, benefit payments are made directly to you to be used as you see fit. Use the benefit payments to cover your out-of-pocket medical expenses, disability expenses or to pay for your every day living expenses — such as your mortgage, car payments, or child care.
Complete plan details and individualized rates will be reflected in the Benefits' portal as you process your elections.
Voluntary Benefits provide:
that you can use to pay expenses not covered by your primary medical coverage.
to spend your benefit payment on whatever costs you’re facing, including medical bills, transportation costs, child care fees, and daily living expenses.
against the high costs often associated with accidental injuries, a serious illness, or a hospital stay.
a high-deductible medical plan, giving you a cost-effective package of coverage that may minimize your overall medical expenses.
On their own, supplemental medical plans don’t provide comprehensive medical coverage for your day-to-day health care needs. Rather, they’re intended to supplement the coverage provided by your primary medical plan.
Critical Illness coverage protects against the financial impact of certain serious illnesses, as well as other conditions such as cardiac arrest, severe burns, COVID-19, and specific childhood diseases. 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 two benefit coverage options:
Benefits are paid:
In the event you or your family member suffer more than one covered condition, the total benefit available is 3 times your initial benefit ($45,000 low plan or $90,000 high plan).
For more information, check out these FAQs on critical illness insurance, along with an overview and disclosure of policy.
MetLife provides a health screening benefit with your Critical Illness and Accident coverage. You can receive a $50 health screening benefit toward a covered test. You can receive a health screening benefit $50 towards a covered test. To learn what health screening tests are covered, see the list for Critical Illness and Accident.
Accident insurance supplements your primary medical plan by providing cash benefits in cases of covered 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:
You receive a cash benefit up to a specific amount for:
The actual benefit amounts depend on the type of injuries you have and the medical services you need.
For more information, check out these FAQs on accident insurance, along with an overview.
Hospital stays are costly and often unexpected. They can mean extra out-of-pocket costs, beyond what your medical plan may cover. This benefit provides you with a lump-sum payment when you are admitted or confined to a hospital due to a sickness or accident as well as mental illness. Typically, a flat amount is paid for any admission and a daily amount is paid for each day of a hospital stay.
Choose from two benefit coverage options:
Benefits are paid:
For more information, check out these FAQs on hospital indemnity insurance, along with an overview.