Overview
While your primary medical coverage pays doctors and hospitals directly for costs related to your care, supplemental medical plans pay cash benefits directly to you — you can use this money however you want.
Key features
Supplemental medical plans provide:
Cash benefits
to help you pay expenses not covered by your primary medical coverage.
Flexibility
to spend your benefit payment(s) on anything, including medical bills, transportation costs, child care fees, and daily living expenses.
Financial protection
against high costs related to accidental injuries, a serious illness, or a hospital stay.
You can enroll in one or more of the following plans as a new hire, during Open Enrollment, or if you have a qualifying life event.
Keep in mind
Supplemental medical plans only add to coverage provided by your primary medical plan. They don’t cover your day-to-day health care needs.
How much does supplemental medical coverage cost?
Supplemental medical coverage is relatively inexpensive. These plans often work well in combination with a high-deductible health plan, giving you some added peace of mind at a low cost. The amount you pay will depend on which plan(s) you choose and whether you cover just yourself or family members, too. In addition, critical illness insurance rates vary by age, tobacco use, and the benefit level you select.
You pay the full cost of coverage through post-tax paycheck deductions. To see your premiums and enroll, log in to the Workday website.
Accident Insurance
Accident insurance pays cash benefits to help cover the cost of treatment for covered accidental injuries. You can use this money to pay medical bills or anything else.
Accident insurance benefits
In the event of a covered accident, benefits are paid for initial treatment, follow-up care, hospitalizations, fractures and dislocations, and more. For example:
| Type of Treatment or Injury | Benefit Payment |
|---|---|
| Ambulance | $300 – $2,000 |
| Emergency room | $50 – $225 |
| Fractures* | $100 – $6,000 |
| Concussions | $400 |
| Second and third degree burns | $100 – $10,000 |
| Hospitalization | Non-ICU: $2,000 admission + $225/day confinement (up to 31 days) ICU: $2,000 admission + $450/day confinement (up to 31 days)
|
| Inpatient surgery | $200 – $2,000 |
*Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.
Actual benefit amounts depend on the type of injuries you have and the medical services you need.
Critical Illness Insurance
Critical illness insurance protects against the financial impact of certain health conditions, such as a heart attack, cancer, or stroke. If you’re diagnosed with a covered illness, you receive a lump-sum benefit payment that you can use however you want.
Critical illness insurance benefits
You can choose from two coverage options that pay a maximum benefit per diagnosis of:
- $10,000 or
- $20,000
Note: Spouses/domestic partners and covered children may receive 50% of your benefit amount.
Benefits are paid upon diagnosis of a covered illness or condition and may be paid more than once if the illness recurs or if a different diagnosis is made.
Your initial benefit provides a lump-sum payment upon the first diagnosis of a covered condition. Your plan pays a recurrence benefit* equal to the initial benefit for the following covered conditions: heart attack, stroke, coronary artery bypass graft, full benefit cancer, and partial benefit cancer. A recurrence benefit is only available if an initial benefit has been paid for the covered condition. There is a benefit suspension period between recurrences.
The maximum amount that you can receive through your critical illness insurance plan is called the total benefit and is three times the amount of your initial benefit. This means that you can receive multiple initial benefit and recurrence benefit payments until you reach the maximum of 300%, or $30,000 or $60,000.
Examples of covered conditions include:
| Illness or Condition | Percentage of Benefit Amount |
|---|---|
| Heart attack | 100% of initial benefit (recurrence: 100% of initial benefit) |
| Coronary artery condition requiring bypass surgery | 100% of initial benefit (recurrence: 100% of initial benefit) |
| Full benefit cancer** | 100% of initial benefit (recurrence: 100% of initial benefit) |
| Partial benefit cancer** | 25% of initial benefit (recurrence: 25% of initial benefit) |
| Major organ transplant | 100% of initial benefit (recurrence: N/A) |
| Stroke | 100% of initial benefit (recurrence: 100% of initial benefit) |
| Kidney failure | 100% of initial benefit (recurrence: N/A) |
*MetLife will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. MetLife will not pay a Recurrence Benefit for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which MetLife paid an Initial Benefit during the Benefit Suspension Period.
**Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount.
Health screening benefit
After your coverage has been in effect for 30 days, MetLife will provide an annual benefit of $50 per calendar year for taking one of the eligible screening/prevention measures. MetLife will pay only one health screening benefit per covered person per calendar year. For a complete list of eligible screening/prevention measures, please refer to the Outline of Coverage and Disclosures.
Hospital Indemnity Insurance
Hospital indemnity insurance provides cash payments to help offset your share of the cost of a covered inpatient hospital stay and related services, such as ambulance transportation, surgery, and other treatments. You receive lump-sum payments for your initial hospital admission, plus daily benefits throughout your hospitalization (up to annual plan limits).
Hospital indemnity insurance benefits
Examples of covered services include:
| Illness or Condition | Percentage of Benefit Amount |
|---|---|
| Hospital admission for an accident (must occur within 180 days after the accident) | Non-ICU: $1,000 per accident ICU: $1,000 per accident |
| Hospital confinement for an accident (must occur within 180 days after the accident) | Non-ICU: $100/day for up to 31 days ICU: $100/day for up to 31 days |
| Inpatient rehab for an accident | $100/day for up to 15 days per accident (total of 30 days per calendar year) |
| Hospital admission for an illness (payable 1x/calendar year) | Non-ICU: $1,000 ICU: $1,000 |
| Hospital confinement for an illness (paid per illness) | Non-ICU: $100/day for up to 31 days ICU: $100/day for up to 31 days |
Health screening benefit
A health screening (wellness) benefit of $50/calendar year is provided if the covered insured takes one of the covered screening or prevention tests. For a complete list of eligible screening/prevention measures, please refer to the Outline of Coverage and Disclosures.