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 unexpectant 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.
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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 | $12,500 | $50,000 | $25,000 | $25,000 |
| Accidental Death Common Carrier | $75,000 | $37,500 | $37,500 | $150,000 | $75,000 | $75,000 |
| Basic Dismemberment / Functional Loss Benefit | $1,000 – $20,000 | $1,000 – $20,000 | $1,000 – $20,000 | $2,000 – $40,000 | $2,000 – $40,000 | $2,000 – $40,000 |
| 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) | $150 – $4,000 | $150 – $4,000 | $150 – $4,000 | $200 – $5,000 | $200 – $5,000 | $200 – $5,000 |
| Dislocation Benefit (open) | $300 – $8,000 | $300 – $8,000 | $300 – $8,000 | $600 – $12,000 | $600 – $12,000 | $600 – $12,000 |
| Burn Benefit | $1,000 – $18,000 | $1,000 – $18,000 | $1,000 – $18,000 | $1,500 – $27,000 | $1,500 – $27,000 | $1,500 – $27,000 |
| Concussion | $250 | $250 | $250 | $500 | $500 | $0 |
| Coma | $10,000 | $10,000 | $10,000 | $20,000 | $20,000 | $20,000 |
| Laceration | $50 – $600 | $50 – $600 | $50 – $600 | $75 – $800 | $75 – $800 | $75 – $800 |
| Broken Tooth | $100 – $225 | $100 – $225 | $100 – $225 | $150 – $300 | $150 – $300 | $150 – $300 |
| Eye Injury | $300 | $300 | $300 | $400 | $400 | $400 |
| Ground / Air Ambulance | $300 – $1,500 | $300 – $1,500 | $300 – $1,500 | $400 – $1,500 | $400 – $1,500 | $400 – $1,500 |
| Surgery | $250 – $1,500 | $250 – $1,500 | $250 – $1,500 | $200 – $2,000 | $300 – $2,000 | $300 – $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 | 10% 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 on 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. These employee paid plans pay benefits directly to you and you decide how to use the benefit.
- 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 to you