Additional Voluntary Coverage

Voluntary benefits provide an added layer of financial protection for you and your family. These benefits will help cover any extra out-of-pocket expenses if you suffer an unexpected, serious illness or qualifying accident.
Regular expenses, big and small, can add up. Think about your ability to pay for those expenses if you or your family member experienced a covered accident or are diagnosed with an unexpected illness.

Aetna’s Accident and Critical Illness coverage can supplement your health plan and provide you and your family with the additional financial protection you may need. These plans pay benefits directly to you and you decide how to use the benefit.

Wellness Benefit

This benefit pays $50 per calendar year per insured individual if a covered health screening test is performed, including blood tests, chest x-rays, stress tests, mammograms, and colonoscopies. A full list of covered tests will be provided in your certificate.

Accident Coverage

Accidents can happen in an instant. When they do, medical bills can pile up quickly. Our accident insurance pays you a tax-free benefit after a covered accident so you can focus on what’s truly important—getting better. More than 150 events resulting from non-work-related injuries or accidents are covered by this plan.

COVERAGE LEVEL LOW PLAN HIGH PLAN
Accidental Death Benefits Category Employee Spouse Child Employee Spouse Child
Basic Accidental Death $25,000 $12,500 $5,000 $50,000 $25,000 $10,000
Accidental Death Common Carrier $75,000 $37,500 $5,000 $150,000 $75,000 $10,000
Basic Dismemberment / Functional Loss Benefit $750 – $10,000 $750 – $10,000 $750 – $10,000 $1,000 – $15,000 $1,000 – $15,000 $1,000 – $15,000
Catstrophic Dismemberment / Functional Loss Benefit $20,000 $20,000 $20,000 $40,000 $40,000 $40,000
Paralysis Benefit $10,000 – $20,000 $10,000 – $20,000 $10,000 – $20,000 $20,000 – $40,000 $20,000 – $40,000 $20,000 – $40,000
Fracture Benefit (closed) $100 – $4,000 $100 – $4,000 $100 – $4,000 $200 – $5,000 $200 – $5,000 $200 – $5,000
Fracture Benefit (open) $200 – $8,000 $200 – $8,000 $200 – $8,000 $400 – $10,000 $400 – $10,000 $400 – $10,000
Dislocation Benefit (closed) $100 – $4,000 $100 – $4,000 $100 – $4,000 $200 – $5,000 $200 – $5,000 $200 – $5,000
Dislocation Benefit (open) $200 – $8,000 $200 – $8,000 $200 – $8,000 $600 – $12,000 $600 – $12,000 $600 – $12,000
Burn Benefit $75 – $10,000 $75 – $10,000 $75 – $10,000 $100 – $15,000 $100 – $15,000 $100 – $15,000
Concussion $250 $250 $250 $500 $500 $0
Coma $7,500 $7,500 $7,500 $10,000 $10,000 $10,000
Laceration $50 – $400 $50 – $400 $50 – $400 $75 – $700 $75 – $700 $75 – $700
Broken Tooth $25 – $200 $25 – $200 $25 – $200 $50 – $300 $50 – $300 $50 – $300
Eye Injury $300 $300 $300 $400 $400 $400
Ground / Air Ambulance $300 – $1,000 $300 – $1,000 $300 – $1,000 $400 – $1,250 $400 – $1,250 $400 – $1,250
Surgery $150 – $1,500 $150 – $1,500 $150 – $1,500 $200 – $2,000 $200 – $2,000 $200 – $2,000
Health Screening Benefit $50 $50 $50 $50 $50 $50
Critical Illness Coverage

There are a lot of expenses associated with a critical illness and a major medical plan usually won’t cover them all. Critical Illness coverage helps you focus on recuperation instead of being distracted by the extra expenses you may be facing. Similar to life insurance which pays your beneficiary a lump-sum benefit upon death, a critical illness plan pays you a cash benefit upon a diagnosis of a covered illness. You have the choice of a $15,000 or $30,000 benefit amount. Spouses will be offered 50% and dependent child(ren) will be offered 50% of the employee benefit amount. Benefits are paid directly to you based on the benefit schedule.

Covered diagnoses include but are not limited to the following:

  • Cancer
  • Heart Attack
  • Organ Failure
  • Stroke
CARRIER: AETNA
Covered Condition Initial Benefit
Benign Brain Tumor 100% of Benefit Amount
Cancer Category
Invasive Cancer 100% of Benefit Amount
Non-Invasive Cancer 25% of Benefit Amount
Skin Cancer 5% of Benefit Amount, but not less than $250
Additional Categories
Cardiovascular Disease Category 50% of Benefit Amount
Childhood Disease Category 100% of Benefit Amount
Functional Loss Category 100% of Benefit Amount
Heart Attack Category 100% of Benefit Amount
Infectious Disease Category 25% of Benefit Amount
Kidney Failure Category 100% of Benefit Amount
Major Organ Translpant Category 100% of Benefit Amount
Progressive Disease Category 100% of Benefit Amount
Severe Burn Category 100% of Benefit Amount
Stroke Category 100% of Benefit Amount
Health Screening benefit Payable if an eligible covered person takes one of the screening / prevention measures – $50
Hospital Indemnity

A hospital indemnity plan can supplement your health plan and provide you and your family with the additional financial protection you may need. This employee-paid plan pays benefits directly to you and you decide how to use the benefit. The plan covers employees and their family members (based on enrollment) who are admitted to a hospital or ICU for a covered sickness.

  • Coverage to help with unexpected expenses, such as hospitalization expenses
  • Option of a Low or High Plan which provides a lump-sum cash payment for covered events like a hospital admission or confinement
  • $50 annual one-time health screening benefit paid to you
  • Can help protect your savings from unexpected expenses
  • Provides payment directly

 

Subcategory Benefits Limits Applies to Subcategory Benefit Low Plan High Plan
Hospital Benefits
Admission Benefit 4 time(s) per calendar year Admission $500 $1,000
ICU supplemental admission (benefit paid
concurrently with the admission benefit when a
covered person is admitted to ICU)		 $500 $1,000
Confinement Benefit 15 days per calendar year ICU
Supplemental Confinement will
pay an additional benefit for 15 of
those days		 Confinement  $100 $200
ICU supplemental confinement (benefit paid
concurrently with the confinement benefit when a
covered person is admitted to ICU)		  $100 $200
Confinement Benefit for Newborn Nursery Care 2 day(s) per confinement Confinement benefit for newborn nursery care
$750 – $10,000		 $25 $50
Health Screening Benefit 1 time(s) per calendar year per
covered person		 Health screening $50 $50

Provider: Aetna

  • Group number: 803122
  • Provider phone number: 800.607.3366
  • aetna.com

Helpful Resources