Supplemental Health
A supplemental health benefit for employees may help mitigate medical expenses because you're reimbursed for everyday medical costs such as doctor's office and emergency room treatments. As healthcare costs continue to rise, the value of this coverage provides a cost-effective way to fill certain coverage gaps.
Key features
- Serves as supplemental insurance to your existing health coverage
- Pays "first dollar" health care expenses and "reimburses" co-pays
- No coordination of benefits – paid directly to you.
- Coverage is effective immediately (except Annual Physical – 6 months waiting period)
Product details
- Pays insured a specified amount for covered hospital confinement, physical exams and physician's office visits, and are based on a calendar year.
- Spouse and child coverage is available
- No physical exam to qualify
- Covers pre-existing conditions after 12 months from date of policy
- Includes coverage for pregnancy (subject to state mandated waiting periods)
