Even with comprehensive coverage from your primary medical plan, you will still have some out-of-pocket expenses if you are seriously injured, get critically ill, or need to be hospitalized. Supplemental medical insurance offers additional protection to help you pay expenses not covered by your primary medical plan.
These supplemental plans don’t provide coverage for your day-to-day health care needs. Rather, they’re intended to supplement your primary medical plan by providing payments in the event of a significant illness, accident, or hospital stay.
Who’s eligible?
All regular full-time US employees* are eligible for supplemental medical benefits. You may enroll within 31 days of your hire date. After that, you may enroll or change your coverage during our annual open enrollment period or within 31 days of a qualified life event. Learn more about life events.
As an eligible employee, you can also enroll your:
- Spouse or domestic partner
- Children up to age 26
- Disabled children over the age of 26
*Benefits described in this site may not be available to employees covered under a collective bargaining agreement. If you have questions related to your collective bargaining agreement, please contact your HR Business Partner.
Designed to help protect you from unexpected financial stress if you or a covered family member has an accidental injury, accident insurance through Cigna supplements your primary medical plan by providing cash benefits. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance for emergency care, hospital stays, and physician treatment) or for anything else (such as transportation and lodging needs).
Key features at a glance:
Choice of two benefit levels.
Cash benefits paid directly to you based on the payment schedule in the plan you select.
Actual benefit amounts depend on the type of injury(ies) you have and the medical services you need.
Review the 2023–2024 Summary of Benefits for more information.
When a serious illness strikes, such as a heart attack or cancer, critical illness insurance through Cigna provides financial support to help you through your difficult time.
If you are diagnosed with a covered condition, you receive a lump-sum benefit payment that you can use however it’s needed most. This money can help cover out-of-pocket expenses for your treatment that are not covered by your medical plan or other expenses, such as housekeeping services, special transportation, and day care.
Key features at a glance:
Choice of two benefit levels — $15,000 or $30,000.
Coverage available for your spouse or eligible dependents at 50% of your coverage amount.
Cash benefits paid directly to you up to the benefit level you’ve chosen, based on the payment schedule in your plan.
Benefit payment of $50 for getting your annual wellness exam.
Review the 2023–2024 Summary of Benefits for more information.
Even with your primary medical coverage, you still may be responsible for copays, deductibles, and other out-of-pocket costs if you’re admitted to the hospital. A hospital indemnity plan through Cigna provides supplemental payments that you can use to cover expenses your medical plan doesn’t cover.
Key features at a glance:
Cash benefits paid directly to you if you require a hospital stay, ambulance service, surgery, and certain inpatient or outpatient treatments.
Specific benefit amounts based on the payment schedule in your plan for covered hospital services and durations, regardless of the actual cost of the services.