Supplemental Medical
New for 2025
Supplemental care will be offered through Aetna.
Supplemental Medical Plans pay a fixed, one-time benefit amount which you can use for any purpose you like. It can help pay for expenses not covered by your healthcare plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home healthcare costs, or any of your regular household expenses.
What’s great about these plans are that they complement your existing healthcare coverage, filling in the gaps and offering financial support where it’s needed most. The best part? It’s entirely up to you. These plans are 100% voluntary, allowing you to choose the coverage that fits your lifestyle and priorities. It’s insurance that puts you in control, providing peace of mind when life takes unexpected turns.
Voluntary Accident
An accident insurance policy supplements your medical coverage and provides a lump sum cash benefit for injuries you or an insured family member sustain from an accident. This benefit can be used to pay out-of-pocket medical expenses, help supplement your daily living costs, and cover unpaid time off work.
Coverage is offered through Aetna. Premiums are deducted from your paycheck and you will be responsible for the full cost of the benefit. Visit addepar.mybenefits.life to view the benefit summary for benefit details and cost. Enrollment for this policy is completed on Plansource.
Sample Scenario
On his way to work, John was in a car accident.
- He was transported by ground ambulance to the emergency room and admitted to the hospital.
- He had a dislocated hip and spent five days in the hospital.
- He had several physical therapy sessions before returning to work.
- John submitted his accident claim and received $5,850 from his accident insurance coverage.
- He used it towards his deductible, copay, and supplemental income for his missed workdays.
Sample Reimbursements
Ground Ambulance: $300
Emergency Room: $150
X-Ray: $50
MRI: $150
Hospital Stay – Admission + 5 days: $2,000
Dislocated Hip: $3,000
Appliances: $100
Physical Therapy (4 sessions): $400
Total Benefit Paid: $5,850
What Accident Insurance Covers
- Emergency Room Visits
- Hospital Stays
- Fractures and Dislocations
- Medical Exams – including major diagnostic exams
- Physical Therapy
- Transportation and Lodging – if you are away from home when the accident happens
Plan Documents
Voluntary Critical Illness
A critical illness insurance policy provides a lump sum cash benefit upon diagnosis of a critical illness like a heart attack, stroke or cancer. The benefit can be used to pay out-of pocket expenses or to supplement your daily living costs.
Coverage is offered through Aetna. Premiums are deducted from your paycheck and you will be responsible for the full cost of the benefit. Cash benefit is paid directly to you in a lump-sum, tax-free payment. Visit addepar.mybenefits.life to view the benefit summary for benefit details and cost. Enrollment for this policy is completed on Plansource.
Sample Reimbursements
Employee and Spouse: $5,000 – $30,000 in $5,000 increments
Children: $1,000 – $15,000
Sample Scenario
Tom suffered a relatively small stroke.
- He was hospitalized for five days.
- He began rehab to get back to where he was physically before the stroke.
- Tom submitted his claim and received a lump-sum payment of $10,000.
What Critical Illness Insurance Covers
- Heart Attack
- Multiple Sclerosis
- Stroke
- Alzheimer’s Disease
- Parkinson’s Disease
- Major Organ Failure
Plan Documents
Voluntary Hospital Indemnity
An unexpected hospital stay or confinement can be expensive, even with medical insurance. As an eligible employee, you can buy Aetna Hospital Indemnity insurance to help pay for expenses and bills related to being admitted or confined in a hospital that your medical plan doesn’t cover. Benefits are paid directly to you and the funds can be used as you see fit.
No health questions are required, but a pre existing condition clause may apply. Premiums are deducted from your paycheck and you will be responsible for the full cost of the benefit. It is available for employees, spouses, and children.
Visit addepar.mybenefits.life to view the benefit summary for benefit details and cost. Enrollment for this policy is completed on Plansource.
Sample Scenario
In April, Sarah unexpectedly needed back surgery.
- Sarah was admitted to the hospital for surgery.
- After surgery, she began physical therapy to increase her strength and flexibility.
- Sarah submitted her claim and received a lump-sum payment of $1,000.
Sample Reimbursements
Total Benefit Paid: $1,000
What Hospital Insurance Covers
- Hospital Admission
- Hospital Confinement
- Hospital Intensive Care
- Surgical Care
- Medical Diagnostic and Imaging
- Transportation and Lodging