Overview
You can enroll in any combination of the following plans. You can enroll or change your elections at any time during the year. You pay the full cost of coverage through post-tax paycheck deductions. To see your contributions and enroll, log in through HR Link, accessible through either The HOP or OKTA.
Supplemental medical plans
Accident Insurance
Accident insurance helps protect you from unexpected financial stress if you or a covered family member has an accident.
Critical Illness Insurance
When a serious illness strikes, critical illness insurance provides financial support to help you through a difficult time.
Hospital Indemnity Insurance
A trip to the hospital can be stressful, and so can the bills. Hospital indemnity insurance helps cover your copays, deductibles, and other out-of-pocket costs.
Key features at a glance
Supplemental medical plans provide:
Cash benefits that you can use to pay expenses not covered by your primary medical coverage.
Flexibility to spend your benefit payment on whatever costs you’re facing, including medical bills, transportation costs, child care fees, and daily living expenses.
Financial protection against the high costs often associated with accidental injuries, a serious illness, or a hospital stay.
An inexpensive way to supplement a high-deductible health plan, giving you a cost-effective package of coverage that may minimize your overall medical expenses.
You can get a $50 health benefit through your UnitedHealthcare Critical Illness or Hospital Indemnity plan as a reward for taking care of yourself.
Keep in mind
On their own, supplemental medical plans don’t provide comprehensive medical coverage for your day-to-day health care needs. Rather, they’re intended to supplement the coverage provided by your primary medical plan.
Accident Insurance
Accident insurance supplements your primary medical plan by providing cash benefits in cases of covered accidental injuries. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).
The actual benefit amounts depend on the type of injuries you have and the medical services you need.
Critical Illness Insurance
Critical Illness coverage protects against the financial impact of certain illnesses, such as a heart attack, cancer, or stroke. If you experience a covered illness, you receive a lump-sum benefit payment to help cover out-of-pocket expenses for your treatment that are not covered by your medical plan. You also can use the money to take care of other expenses, such as housekeeping services, special transportation, and child care.
Your critical illness plan options also include a wellness benefit that may put money in your pocket. You could earn up to $50 just for completing screenings like blood tests, colonoscopies or stress tests.
Hospital Indemnity Insurance
A hospital indemnity plan provides supplemental payments to help offset your share of the costs associated with a covered hospitalization and related services, such as ambulance transportation, surgery, and certain inpatient or outpatient treatments.
Your hospital indemnity plan also includes a wellness benefit that may put money in your pocket. You could earn up to $50 just for completing screenings like blood tests, colonoscopies or stress tests.