Accident Insurance
- Provides a cash benefit for specific injuries and events resulting from a covered accident.
- The benefit amount depends on the type of injury or care received.
| INITIAL COVERED BENEFITS | |
|---|---|
| Type of Care | Benefit Amount |
| Emergency Care Treatment | $250/Accident |
| Emergency Physician’s Treatment | $150/Accident |
| Emergency Urgent Care | $150/Accident |
| Walk-in Clinic/Telemedicine | Not Included |
| Medical Testing | $300/Accident |
| X-Ray | $250/Accident |
| Lab | Not Included |
| Hospital Admission | $1,000/Accident |
| Hospital Admission | ICU $2,000/Accident |
| Accident Insurance Premium Rates (per employee) | ||
|---|---|---|
| Coverage Type | Monthly | Semi-Monthly |
| Employee | $9.11 | $4.56 |
| Employee + Spouse | $14.75 | $7.38 |
| Employee + Child | $16.09 | $8.05 |
| Family | $21.70 | $10.85 |
Hospital Indemnity
- Provides a cash benefit for hospital and critical care admissions.
- The benefit amount depends on the type of facility and number of days of confinement.
| COVERED BENEFITS | |
|---|---|
| Type of Care | Benefit Amount |
| Hospital Admission | $1,000/Insured/Admission 4 Admission/Year |
| Hospital Admission ICU | $2,000/Insured/Admission 1 Admission/Year |
| Daily Hospital Confinement | $100/Day 30 Days/Year Payable the Day After Admission |
| Daily Hospital Confinement ICU | $165/Day 30 Days/Year Payable the Day After Admission |
| Hospital Indemnity Premium Rates (per employee) | ||
|---|---|---|
| Coverage Type | Monthly | Semi-Monthly |
| Employee | $12.29 | $6.15 |
| Employee + Spouse | $26.48 | $13.24 |
| Employee + Child | $18.78 | $9.39 |
| Family | $34.35 | $17.18 |
Critical Illness
- Provides a lump-sum benefit for critical illnesses and medical events such as cancer, heart attack, stroke, organ transplant and paralysis.
- Wellness Benefit $50/Person/Year
| COVERED BENEFITS1 | |
|---|---|
| Coverage Tier | Face Amount |
| Employee | $5,000 Increments Maximum $30,000 Minimum $10,000 |
| Spouse | $5,000 Increments Maximum $30,000 Minimum $5,000 Limited to 100% of Employee Amount |
| Children | $2,500 Increments Maximum $15,000 Minimum $2,500 Limited to 100% of Employee Amount |
1 NOTE: State Specific – New York
A person must be covered by a base medical plan. If a person and any dependents to be enrolled are not covered by such a plan, they may not enroll for critical illness insurance.