Accident Insurance
Accident insurance helps protect you from unexpected financial stress if you or a covered family member has an accident.
You can enroll in any combination of the following plans as a new hire, during Open Enrollment, or if you have a qualifying life event. You pay the full cost of coverage through after-tax paycheck deductions. To see your premiums and enroll, log in to the Acme Enrollment website.
2020 supplemental medical plans
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.
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 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).
Benefits are paid:
- Directly to you, unless assigned to someone else
- In addition to any other coverage, like your primary medical plan or an Accidental Death & Dismemberment (AD&D) plan
You receive a cash benefit up to a specific amount for:
- Accidental death
- Dismemberment
- Dislocation or fracture
- Initial hospital confinement
- Intensive care
- Ambulance
- Medical expenses
- Outpatient physician’s treatment
The actual benefit amounts depend on the type of injuries you have and the medical services you need.
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.
Choose from two benefit coverage options:
- $15,000
- $30,000
Benefits are paid:
- Directly to you, unless assigned to someone else
- Up to twice per year
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.
Choose from two benefit coverage options:
- Standard, which includes a $500 hospital admission and $1,000 daily hospital confinement benefit*
- Enhanced, which includes a $750 hospital admission and $1,500 daily hospital confinement benefit*
Benefits are paid:
- Directly to you, unless assigned to someone else
- As a lump sum or on a benefit schedule
- In addition to any other insurance you have
*Up to annual plan limits.