When accidents happen, they are often followed by a series of bills. Even with sound health insurance, you can still have out-of-pocket expenses, such as doctor bills, ambulance charges, and emergency room fees.

Click the button below to watch a video to learn more about your Accident Insurance benefits.
Accident Insurance Benefits

Covered Services	Plan A	Plan B
Hospital Admission (Once per benefit year)	$1,500	$2,000
Emergency Room Admission	$150	$201
Wellness Screening (Once per benefit year)	$50	$50
Concussion	$50	$100
Coma	$5,000	$10,000
Blood, plasma or platelet transfusion	$200	$300
Diagnostic Imaging, X-Ray	$150 / $50	$200 / $100
Physical Therapy	$50/Session: 10 Sessions maximum	$50/Session: 12 Sessions Maximum

Employee Per Pay Period Cost	Plan A	Plan B
Employee Only	$4.05	$6.22
Employee + Spouse	$7.06	$10.77
Employee + Child(ren)	$8.93	$13.43
Family	$12.04	$18.13

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Benefit Summary

Wellness Benefit

How to File a Wellness Claim

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A serious illness can have a huge impact on more than just your health – it can also hurt your finances. Critical illness insurance complements your major medical coverage by providing a lump-sum benefit if you are diagnosed with a covered critical illness, such as:

Heart attack (myocardial infarction)
End stage renal failure
Coronary artery bypass surgery
Stroke
Major organ transplant

*You must elect coverage for yourself if you elect coverage for a spouse or child(ren).

*Determine the appropriate age band using your age as of your last birthday. Child(ren) Rate Per Pay Period: $0.58 per $1,000 of Benefit

Click the button below to watch a video to learn more about your Critical Illness Insurance benefits.
Critical Illness Insurance Benefits

	Benefit Amount
Employee	$5,000 - $20,000, in increments of $5,000, no medical questions
Spouse*	$5,000 to $20,000 in increments of $5,000, not to exceed 100% of approved Employee election
Child(ren)* Birth to age 26	50% of the employee benefit amount
Wellness Screening (Once per benefit year)	$50

Employee Critical Illness -Per Pay Period Cost	0-29	30–34	35-39	40-44	45-49	50-54	55-59	60-64	65-69	70-74	75-79	80-84	85+
$5,000	$0.85	$1.25	$1.80	$2.60	$3.98	$5.63	$7.68	$10.85	$13.48	$16.20	$16.20	$16.20	$16.20
$10,000	$1.70	$2.50	$3.60	$5.20	$7.95	$11.25	$15.35	$21.70	$26.95	$32.40	$32.40	$32.40	$32.40
$15,000	$2.55	$3.75	$5.40	$7.80	$11.93	$16.88	$23.03	$32.55	$40.43	$48.60	$48.60	$48.60	$48.60
$20,000	$3.40	$5.00	$7.20	$10.40	$15.90	$22.50	$30.70	$43.40	$53.90	$64.80	$64.80	$64.80	$64.80

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Benefit Summary

Wellness Benefit

How to File a Wellness Claim

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You have the option to purchase Hospital Indemnity insurance, which provides a fixed, lump-sum cash benefit in the event you are admitted to or confined to a hospital. The funds are sent directly to you to help offset the unexpected medical expenses caused by hospital admission and stays.

*If more than one type of Hospital Admission occurs during the same confinement, only the highest Hospital Admission benefit is payable.

**If more than one type of Hospital Confinement occurs on the same day, only the highest Hospital Confinement benefit is payable.

Benefits	Standard	High
Hospital Admission	$500.00	$1,000.00
Hospital Admission ICU	$1,000.00	$2,000.00
"Hosptial Confinement, per day up to maximum 30 days per year"	$100.00	$100.00
Nursery Admission	$500.00	$1,000.00
Benefit Waiting Period	None	None
Pregnancy Limitation Period	None	None
Pre-Existing Limitation	None	None
Pre-Existng Limitation for Late Applicants	This plan does not allow for Late Applicants	This plan does not allow for Late Applicants

Employee Per Pay Period Cost	Standard	High
Employee Only	$6.95	$12.13
Employee + Spouse	$14.48	$25.39
Employee + Child(ren)	$10.23	$17.93
Family	$17.40	$30.52

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Benefit Summary

Wellness Benefit

How to File a Wellness Claim

Additional Benefits