Supplemental Medical
Voluntary benefits, through Unum, complement your medical coverage by providing extra financial protection and filling coverage gaps.
Premiums are conveniently paid through payroll deduction.
These voluntary plans are not a substitute for medical insurance.
Your basic life insurance beneficiary designation will apply if you participate in voluntary benefits.
Why are these plans important? Because health plans have limits.
Your health insurance covers a large portion of your medical care expenses, but not all. That’s where these benefits step in. These personal protection benefits help you cover gaps, such as lost income, deductibles, and everyday bills. You are paid a tax free, lump sum benefit, allowing you and your covered family members to focus on recovery.
Supplemental Medical Plans & Details
Accident
If you are sick or accidentally injured, Accident Insurance provides a lump sum benefit cash benefit for more than 50 types of injuries, services, and treatments.
This benefit can help with expenses your health plan does not cover, such as copays and deductibles.
Critical Illness
A severe illness often brings unexpected financial strain. Critical Illness Insurance pays a lump sum if you are diagnosed with a covered condition.
This benefit allows you to focus on recovery rather than expenses.
Hospital
Hospital Insurance helps families cope with the financial impacts of a hospitalization. You can receive benefits when you’re admitted to the hospital for a covered accident, illness or childbirth.
Hospital Insurance helps cover out-of-pocket expenses your medical plan may not pay, such as copays, coinsurance, and deductibles.
IT'S EASY TO FILE A CLAIM
You can receive a benefit for tests that are performed after your initial coverage date. Follow these simple steps:
Submit Claim
File your claim online, by mail, or over the phone.
Be Well Benefit
With Critical Illness Insurance, Accident Insurance, and Hospital Insurance, you and your covered family members can earn a $50 wellness benefit when you complete important tests or health screenings. Benefits are paid per insured, per calendar year.
It’s easy to file a wellness benefit claim! You can receive a benefit for tests that are performed after your initial coverage date. File your claim online with a one-time registration on unum.com, by mail, or over the phone.
Simply call 800-635-5597 to learn more.
