Supplemental Medical Insurance

Page Header

Last updated date: 4/2/2024

Available to all employees — refer to your benefits guide for the plans available to you.

Supplemental medical insurance can help protect you from significant or unexpected out-of-pocket expenses incurred when you undergo a procedure or use a service your medical plan doesn’t cover. These supplemental options — accident insurance, critical illness insurance and hospital indemnity insurance — are not designed to replace the traditional medical plans.

The supplemental insurance products, provided through Cigna, are available to you as part of our voluntary benefits offerings. You pay the full cost of these plans through post-tax payroll deductions. Learn more.

Enrollment Tip

The supplemental medical insurance products are intended to be used in addition to your medical plan. They provide great complementary coverage to the $1,600 Deductible Plan and the $2,500 Deductible Plan. However, on their own, they do not provide the minimum level of medical coverage needed to meet health care reform individual mandate requirements under the Affordable Care Act.