Supplemental Medical Plans
While your primary medical coverage pays doctors and hospitals directly for costs related to your care, supplemental medical plans pay cash benefits directly to you — you can use this money however you want.
Keep in mind: Supplemental medical plans only add to coverage provided by your primary medical plan — they aren’t substitutes for medical insurance and don’t cover your day-to-day health care needs.
Key features
Supplemental medical plans provide:
Cash benefits
to help you pay expenses not covered by your primary medical coverage.
Flexibility
to spend your benefit payment(s) on anything, including medical bills, transportation, childcare, and daily living expenses.
Financial protection
against high costs related to accidental injuries, a serious illness, or a hospital stay.
Portability
to give you the option of maintaining your coverage should you leave the company.
In addition: All supplemental medical plan members can earn a $50 cash wellness benefit for receiving an eligible preventive screening, exam, or vaccination each year.
Your supplemental medical plan options
You can enroll in one or more of the following plans as a new hire, during Open Enrollment, or if you have a qualified life event.
Filing a claim
It’s easy to file a claim for supplemental medical benefits. Get started by logging in to your Cigna account.
How much does supplemental medical insurance cost?
Supplemental medical insurance is relatively inexpensive. These plans often work well in combination with a high-deductible health plan, giving you some added peace of mind at a low cost. The amount you pay will depend on which plan(s) you choose and whether you cover just yourself or family members, too. In addition, critical illness insurance rates vary by age and the benefit level you select.
You pay the full cost of coverage through after-tax paycheck deductions. You can view your plan costs as you enroll.
Employee Discounts
Whether you’re buying a big ticket item or planning a vacation or night out, the Working Advantage discount program helps make purchases more affordable and convenient. You can access hundreds of exclusive prices, discounts, and offers.
- This service is provided at no cost to you.
- Save big through deep discounts on offers that match your interests, including health clubs, movie theaters, restaurants, retailers, and cellphone providers.
- No enrollment required.
Learn more
For more information and to start saving, visit the Working Advantage website.