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
Accident Insurance provides a cash benefit from a couple hundred dollars up to $10,000 if you or a covered family member experiences a covered injury, such as a fracture, burn, dislocation, concussions, eye injuries, ruptured discs, cuts requiring stitches, and more.
This is a good plan to consider if you or your family members are active, play sports, or if you happen to have accident-prone children.
Sample Reimbursements
Ground Ambulance: $300
Emergency Room: $150
X-Ray: $50
MRI: $150
Hospital Stay – Admission + 5 days: $2,000
Dislocated Hip: $3,000
Appliances: $100
Physical Therapy (4 sessions): $400
Total Benefit Paid: $5,850
What Accident Insurance Covers
- Emergency Room Visits
- Hospital Stays
- Fractures and Dislocations
- Medical Exams – including major diagnostic exams
- Physical Therapy
- Transportation and Lodging – if you are away from home when the accident happens
Critical Illness
No one wants to think about the possibility of getting sick, but if you do suffer from a critical condition, the added costs of everyday life can start to pile up. Critical Illness Insurance offers a lump-sum payment if you are diagnosed with a covered condition, such as cancer, heart attack, or stroke.
Choose between $10,000, $20,000, and $30,000 coverage options. Your dependents are eligible to elect 50% of your coverage.
Sample Reimbursements
Employee and Spouse: $10,000 – $30,000
Children: $5,000 – $15,000
What Critical Illness Insurance Covers
- Heart Attack
- Multiple Sclerosis
- Stroke
- Alzheimer’s Disease
- Parkinson’s Disease
- Major Organ Failure
Hospital Indemnity
This program pays $1,000 per admission per year, and $100 per day that you’re in the hospital. It’s not meant to cover your entire bill, but this is a great additional benefit to help offset your deductible or other expenses that happen while you’re in the hospital. There are no pre-existing condition exclusions if you sign up during open enrollment. As long as the hospitalization happens after the plan is effective (1/1/26), it will be covered.
This is a good plan to consider if you or your family members have a planned hospitalization, such as a pregnancy.
Sample Reimbursements
Total Benefit Paid: $1,000
What Hospital Insurance Covers
- Heart Attack
- Hospital Admission
- Hospital Confinement
- Hospital Intensive Care
- Surgical Care
- Medical Diagnostic and Imaging
- Transportation and Lodging
How to file a claim:
Step 1
Go to portal.unum.com on your web browser.
Step 2
If filing your first claim, click “Register for an account,” then provide your information for verification.
Step 3
If you have an account, click “Log in to existing account,” then enter your user ID and password and click “Log in.”
Step 4
Provide your birth date and Social Security number to verify your identity. If you sign up for two-step verification, a one-time passcode will be sent to your mobile phone each time after you log in.
Step 5
Once logged in, click on the “Start a leave or claim” button
Step 6
Select “Supplemental benefits.”
Step 7
If you’ve submitted a leave or disability claim and have supplemental benefits coverage, you will be prompted in the Next Steps section to file your claim. You can also click “File a supplemental benefit claim” from the home page.
Step 8
You will be able to select which supplemental benefit you’d like to file a claim for.
Step 9
Follow the on-screen questions for your claim. A convenient tracker shows you where you are in the submission process.
Step 10
Once you complete all the steps, you’ll see a confirmation message and be provided with any applicable next steps.