Even with comprehensive coverage from your primary medical plan, you will still have some out-of-pocket expenses if you get critically ill, are seriously injured, or need to be hospitalized. Supplemental medical insurance offers additional protection to help you cover costs that arise in these situations.



You can enroll in any combination of the following plans. You can enroll or change your elections at any time during the year. You pay the full cost of coverage through post-tax paycheck deductions. To see your contributions and enroll, log in through HR Link, accessible through either The HOP or OKTA.

Supplemental medical plans

Accident Insurance


Accident insurance helps protect you from unexpected financial stress if you or a covered family member has an accident.

Critical Illness Insurance


When a serious illness strikes, critical illness insurance provides financial support to help you through a difficult time.

Hospital Indemnity Insurance


A trip to the hospital can be stressful, and so can the bills. Hospital indemnity insurance helps cover your copays, deductibles, and other out-of-pocket costs.

Key features at a glance

Supplemental medical plans provide:

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Cash benefits

that you can use to pay expenses not covered by your primary medical coverage.


to spend your benefit payment on whatever costs you’re facing, including medical bills, transportation costs, child care fees, and daily living expenses.

Financial protection

against the high costs often associated with accidental injuries, a serious illness, or a hospital stay.

An inexpensive way to supplement

a high-deductible health plan, giving you a cost-effective package of coverage that may minimize your overall medical expenses.

You can get a $50 health benefit

through your UnitedHealthcare Critical Illness or Hospital Indemnity plan as a reward for taking care of yourself.

Keep in mind

On their own, supplemental medical plans don’t provide comprehensive medical coverage for your day-to-day health care needs. Rather, they’re intended to supplement the coverage provided by your primary medical plan.


Accident Insurance

Accident insurance supplements your primary medical plan by providing cash benefits in cases of covered accidental injuries. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).

Benefits are paid:

  • Directly to you, unless assigned to someone else
  • In addition to any other coverage, like your primary medical plan or an Accidental Death & Dismemberment (AD&D) plan

You receive a cash benefit up to a specific amount for:

  • Accidental death
  • Dismemberment
  • Dislocation or fracture
  • Initial hospital confinement
  • Intensive care
  • Ambulance
  • Medical expenses
  • Outpatient physician’s treatment

The actual benefit amounts depend on the type of injuries you have and the medical services you need.


Critical Illness Insurance

Critical Illness coverage protects against the financial impact of certain illnesses, such as a heart attack, cancer, or stroke. If you experience a covered illness, you receive a lump-sum benefit payment to help cover out-of-pocket expenses for your treatment that are not covered by your medical plan. You also can use the money to take care of other expenses, such as housekeeping services, special transportation, and child care.

Choose from three coverage options:

  • $10,000
  • $20,000
  • $30,000

You have the option to enroll in the following guaranteed issue coverage amounts without completing a health check:

  • Employee: Up to $30,000.
  • Spouse: Up to $15,000 (not to exceed 50% of your benefit amount).
  • Children: Up to $7,500 (not to exceed 25% of your benefit amount).

Your critical illness plan options also include a wellness benefit that may put money in your pocket. You could earn up to $50 just for completing screenings like blood tests, colonoscopies or stress tests.


Hospital Indemnity Insurance

A hospital indemnity plan provides supplemental payments to help offset your share of the costs associated with a covered hospitalization and related services, such as ambulance transportation, surgery, and certain inpatient or outpatient treatments.

You can receive a cash benefit for the following, up to plan limits:

  • Hospital admission (including to deliver a baby)
  • Hospital stay
  • ICU admission
  • Inpatient mental health services

Benefits are paid:

  • Directly to you, unless assigned to someone else
  • As a lump sum or on a benefit schedule
  • In addition to any other insurance you have

Your hospital indemnity plan also includes a wellness benefit that may put money in your pocket. You could earn up to $50 just for completing screenings like blood tests, colonoscopies or stress tests.