Supplemental Health Benefits
Be prepared and protect your family from the unexpected with supplemental health benefits through MetLife.
Voluntary Accident Insurance
Accident Insurance through MetLife provides benefits to help cover the costs associated with unexpected bills due to covered accidents, regardless of any other insurance you have. If you purchase coverage and are hurt in a covered accident, you will receive a cash benefit for covered injuries that you may spend as you like.
Coverage amounts
| ACCIDENT PLAN |
|---|
| Cash benefit based on type of accident (ranges from $75-$12,000) |
PROVIDER:
RELATED DOCS:
Examples of covered injuries:
- Broken bones ($100–$8,000)
- Burns ($75–$10,000)
- Cuts repaired by stitches ($50–$400)
- Eye injuries ($300)
- Concussion ($250)
Voluntary Critical Illness Insurance
Critical Illness Insurance through MetLife provides cash to help pay for both medical expenses not covered by your medical plan, as well as day-to-day expenses that may start to add up—like rent, mortgage, car payments, etc.—while you are ill. If you purchase one of the coverage options and are diagnosed with a covered illness, you get a lump-sum cash benefit, even if you receive other insurance benefits. Note: Benefit payments reduce to 50% of the elected amount beginning at age 70.
Coverage Amounts
| TIER | OPTION 1 | OPTION 2 |
|---|---|---|
| Employee | $10,000 | $20,000 |
| Spouse | $5,000 (not to exceed 50% of the employee's benefit amount) | $10,000 (not to exceed 50% of the employee's benefit amount) |
| Children | $2,500 (not to exceed 25% of employee’s benefit amount) | $5,000 (not to exceed 25% of employee’s benefit amount) |
Note: You must elect coverage for yourself in order to cover your spouse and/or child.
Examples of covered conditions:
- Cancer
- Heart attack
- Major organ failure
- End-stage renal (kidney) failure
- Coronary artery bypass graft surgery
- Stroke
Voluntary Hospital Indemnity Insurance
Hospital Indemnity Insurance through MetLife provides benefits to help cover the costs associated with an eligible hospital stay, regardless of any other insurance you have. If you purchase one of the coverage options and are hospitalized for an eligible reason, you will receive a cash benefit for covered stays that you can spend as you like. Certain pre-existing condition limitations may apply.
Important: The American Lung Association offers a fixed indemnity policy; this is NOT health insurance. If you are considering purchasing this policy, please read the notice below in its entirety.
Coverage Amounts
| OPTION 1 | OPTION 2 |
|---|---|
|
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Notice about hospital indemnity policy
This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.
- The payment you get isn’t based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
- If you have this policy through your job, or a family member’s job, contact the employer.