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 — 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, 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.
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.