Supplemental Medical

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Last updated date: 10/11/2023

Even with comprehensive coverage from your medical plan, you may still have out-of-pocket expenses if you get critically ill, are seriously injured, or need to be hospitalized. Supplemental medical insurance offers additional financial protection.


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.

Key features

Supplemental medical plans provide:

Cash benefits

to help you pay expenses not covered by your primary medical coverage.


to spend your benefit payment(s) on anything, including medical bills, transportation costs, child care 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 Open Enrollment, or if you have a qualifying life event.

Accident Insurance

Accident insurance protects you from unexpected financial stress if you or a covered family member experiences injuries from accident.

Critical Illness Insurance

Critical illness insurance provides financial support to help you manage expenses related to serious health diagnosis.

Hospital Indemnity Insurance

Hospital indemnity insurance helps cover your deductible, coinsurance, and any other out-of-pocket costs caused by a hospital stay.

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.

How much does supplemental medical coverage cost?

Supplemental medical coverage 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.

You pay the full cost of coverage through after-tax paycheck deductions. To see your contributions and enroll, log in to the MyADP website.

Accident Insurance

Accident insurance pays cash benefits to help cover the cost of treatment for covered accidental injuries. You can use this money to pay medical bills or anything else.

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 Benefit Payment
Ambulance $200
Emergency room $100
X-ray $50
Fractured leg Up to $3,000
Second degree burn Up to $500
Hospitalization Non-ICU: $750 admission + $100/day
ICU: $750 admission + $200/day
Inpatient surgery Up to $1000
Follow-up doctor’s office visit $50

Please note: The benefit payments above are only examples. Actual benefit amounts depend on the type of injuries you have and the medical services you need.

Critical Illness Insurance

Critical illness insurance protects against the financial impact of certain health conditions, such as a heart attack, cancer, or stroke. If you’re diagnosed with a covered illness, you receive a lump-sum benefit payment that you can use however you want.

Critical illness insurance benefits

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. Examples include:

Illness or Condition Percentage of Benefit Amount
Heart attack 100%
Coma 100%
Invasive cancer 100%
Major organ failure 100%
Alzheimer's Disease 100%
Stroke 100%
Benign Brain Tumor 100%
Paralysis of Limbs 100%
Cancer in Situ 25%
Skin Cancer $250

Please note: The benefit payments above are only examples.

Hospital Indemnity Insurance

Hospital indemnity insurance provides cash payments to help offset your share of the cost of a covered inpatient hospital stay and related services, such as surgery, and other treatments. You receive lump-sum payments for your initial hospital admission, plus daily benefits throughout your hospitalization (up to annual plan limits).

Hospital indemnity benefits

You make monthly contributions for your hospital indemnity insurance. If you are admitted to the hospital for an injury or illness, the plan makes cash payments to you. Since the funds are paid directly to you, you are not limited to using the funds to pay for your hospital stay or other related expenses. Instead, you can use the money to pay for costs not covered by your medical plan, such as deductibles, copays, or coinsurance, or you can use the funds to cover the cost of living as you recover.