Supplemental Medical

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.

Accident Insurance

Benefit Payment Example

Kathy’s daughter, Molly, was riding her bike to school. On her way there she fell to the ground, was knocked unconscious, and was taken to the local emergency room (ER) by ambulance for treatment. The ER doctor diagnosed a concussion and a broken tooth. He ordered a CT scan to check for facial fractures too, since Molly’s face was very swollen. Molly was released to her primary care physician for follow-up treatment, and her dentist repaired her broken tooth with a crown. Depending on her health insurance, Kathy’s out-of-pocket costs could run into hundreds of dollars to cover expenses like insurance co-payments and deductibles. MetLife Group Accident Insurance payments can be used to help cover these unexpected costs.

Sample Reimbursements

Ground Ambulance: $400
Emergency Care: $200
Physician Follow-Up ($100 x 2): $200
Medical Testing: $200
Concussion: $500
Broken Tooth (repaired by crown): $300

Benefits paid by MetLife Group Accident Insurance: $1,800

What Accident Insurance Covers

Emergency Room Visits
Fractures and Dislocations
Physical Therapy
Transportation – if you are away from home when the accident happens

Critical Illness

Example of How Benefits are Paid

The example below illustrates an employee who elected a Benefit Amount of $30,000.

Heart Attack — first verified diagnosis
Initial Benefit payment of $30,000 or 100%

Kidney Failure – first verified diagnosis, two years later
Initial Benefit payment of $30,000 or 100%

Heart Attack — second verified diagnosis, four years later
Recurrence Benefit payment of $30,000or 100%

Critical Illness Insurance Benefits

Eligible Individual – Benefit Amount – Requirements

Employee – $10,000 $20,000 or $30,000 – Coverage is guaranteed provided you are actively at work.

Spouse/Domestic Partner – 50% of the Employee’s Initial Benefit – Coverage is guaranteed provided the employee is actively at work and the spouse/domestic partner is not subject to a medical restriction as set forth on the enrollment form and in the Certificate.

Dependent Child(ren) – 50% of the Employee’s Initial Benefit – Coverage is guaranteed provided the employee is actively at work and the dependent is not subject to a medical restriction as set forth on the enrollment form and in the Certificate.

What Critical Illness Insurance Covers

Heart Attack
Multiple Sclerosis
Stroke
Alzheimer’s Disease
Parkinson’s Disease
Major Organ Failure

Hospital Indemnity

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.

Hospital Indemnity Insurance Benefits

Fills financial gap if you experience a serious illness
Lump sum, tax-free benefit immediately upon diagnosis of a covered condition
Use the benefit as you see fit
Receive up to $50 each year with the completion of a health screening
Benefit Elections:

Employee: $10,000; $20,000 or $30,000

Spouse: 50% of employee’s election

Child(ren): 50% of employee’s election

What Hospital Insurance Covers

Covered conditions include, but are not limited to:

Invasive Cancer
Heart Attack
Stroke
Major Organ Failure
End State Renal Failure
Coma