Overview
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, and you can use this money however you want.
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 costs, childcare fees, and daily living expenses.
Financial protection
against high costs related to accidental injuries, a serious illness, or a hospital stay.
2024 Supplemental Medical Plans
You can enroll in one or more of the following plans as a new hire, during Annual Enrollment, or if you have a qualifying life event.
Keep in mind
Supplemental medical plans only add to coverage provided by your primary medical plan. They don’t cover your day-to-day health care needs.
Simplify your claims process with Reclaim
Reclaim integrates your medical information and supplemental medical coverage to simplify the claims process and give you financial support when you need it most. When you register for Reclaim, you’ll be notified of benefits that could be payable under your voluntary accident insurance, which helps reduce the time and effort you need to file a claim by eliminating the need to provide supporting documentation or medical records.
To register for Reclaim, visit lifebenefits.com and enter your login information:
- Your User ID is a unique code that you will receive via email or mail.
- You Password is your eight-digit date of birth (MMDDYYYY) followed by the last four digits of your Social Security number.
How much does supplemental medical coverage cost?
Supplemental medical coverage is relatively inexpensive, 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, tobacco use, and the benefit level you select.
You pay the full cost of coverage through after-tax paycheck deductions. To see your Premiums and enroll, log in to the BBU Benefits Center website.
Accident Insurance
Accident insurance provides a cash benefit to help cover out-of-pocket expenses after suffering a covered accident. You and/or your covered family members could receive a lump-sum benefit for a variety of accidental injuries (e.g., fractures, dislocations, concussions) that occur off the job.
You may purchase voluntary Accident Insurance coverage through Securian if you are eligible for coverage under a Company Medical Plan. You may choose between a low and high plan and may enroll yourself only or yourself and eligible dependents.
Accident insurance benefits
In the event of a covered accident, benefits are paid for initial treatment, follow-up care, hospitalizations, fractures, and dislocations, and more. For example:
| Type of Treatment or Injury | Low Plan Benefit Payment | High Plan Benefit Payment |
|---|---|---|
| Ground/Water Ambulance | $150 | $300 |
| Emergency room | $100 | $200 |
| X-ray | $25 | $50 |
| Fractured lower leg | $1,500 | $3,000 |
| Second degree burn (varies based on percentage of body burned) | Up to $500 | Up to $1,500 |
| Hospitalization | Non-ICU: $1,000 admission + $100/day ICU: $1,000 admission + $200/day |
Non-ICU: $2,000 admission + $200/day ICU: $2,000 admission + $400/day |
| Outpatient surgery | $100 | $200 |
| Follow-up doctor’s office visit | $50 (up to 6 visits per accident) | $100 (up to 6 visits per accident) |
Actual benefit amounts depend on the type of injuries you have and the medical services you need. To learn more, visit Securian.
Critical Illness Insurance
Critical Illness Insurance provides financial protection if you or a covered dependent is diagnosed with a critical illness, such as cancer, heart attack, stroke, major organ transplant, or coronary bypass surgery. This benefit helps cover deductibles, medical insurance coinsurance, home health care needs, rehabilitation, childcare expenses, and more. Benefits are paid upon diagnosis of a covered illness or condition and may be paid more than once if the illness recurs or if a different diagnosis is made.
The Company provides all Associates who are enrolled in the Standard HSA or Enhanced HSA medical plan with $3,000 company-paid Basic Critical Illness coverage. You can also purchase Voluntary Critical Illness coverage through Securian and select either $10,000 or $20,000 of insurance for yourself only or yourself and eligible dependents.
The covered conditions must meet all policy requirements. To learn more, visit Securian.
Hospital Indemnity Insurance
Hospital Indemnity Insurance pays a cash benefit when you or a covered family member is hospitalized, even for the birth of a child. You may use the lump-sum payment to offset coinsurance, deductibles, and other out-of-pocket costs, or you may use it to cover daily living expenses like rent and groceries. You can choose between a low and a high plan option and may enroll yourself only or yourself and eligible dependents.
For more information, review the Hospital Indemnity Brochure or visit Securian.
If you elect Hospital Indemnity Insurance, you also have access to the BenefitBump resource which provides you with support to help you navigate your benefits and time-off programs as you grow your family. It provides support at every step—from pregnancy or adoption to delivery or placement, parental leave, child care, return to work and more. Review the BenefitBump flyer for additional information.