Supplemental Medical
Supplemental Medical Plans pay a fixed, one-time benefit amount which you can use for any purpose you like. It can help pay for expenses not covered by your healthcare plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home healthcare costs, or any of your regular household expenses.
What’s great about these plans are that they complement your existing healthcare coverage, filling in the gaps and offering financial support where it’s needed most. The best part? It’s entirely up to you. These plans are 100% voluntary, allowing you to choose the coverage that fits your lifestyle and priorities. It’s insurance that puts you in control, providing peace of mind when life takes unexpected turns.
Click here to learn more about UMass Global’s Life, AD&D, Disability and Supplemental Benefits:
Accident Insurance
- Accident coverage provides benefits for a wide range of common injuries and services (24-hour coverage – on or off the job).
- Includes a $50 wellness screening benefit.
- Benefits can be used as needed to pay medical bills or other common expenses.
Sample Reimbursements
Ground Ambulance: $300
Emergency Room: $150
X-Ray: $50
MRI: $150
Hospital Stay – Admission + 5 days: $2,000
Dislocated Hip: $3,000
Appliances: $100
Physical Therapy (4 sessions): $400
Total Benefit Paid: $5,850
What Accident Insurance Covers
- Emergency Room Visits
- Hospital Stays
- Fractures and Dislocations
- Medical Exams – including major diagnostic exams
- Physical Therapy
- Transportation and Lodging – if you are away from home when the accident happens
Accident Insurance Example
On his way to work, John was in a car accident.
- He was transported by ground ambulance to the emergency room and admitted to the hospital.
- He had a dislocated hip and spent five days in the hospital.
- He had several physical therapy sessions before returning to work.
- John submitted his accident claim and received $5,850 from his accident insurance coverage.
- He used it towards his deductible, copay, and supplemental income for his missed workdays.
Critical Illness
- Fills a financial gap if you experience a serious illness such as cancer, heart attack, stroke, ALS, Advanced Alzheimer’s, Advanced Parkinson’s, major organ failure (see summary for full listing of covered conditions).
- Lump-sum benefit immediately upon diagnosis of a covered condition.
- This plan also includes a wellness benefit that pays $50 per year per insured when you receive a covered health screening such as a chest X-ray, colonoscopy, stress test, or blood test.
Sample Reimbursements
Employee and Spouse: $5,000 – $30,000 in $5,000 increments
Children: $1,000 – $15,000
What Critical Illness Insurance Covers
- Heart Attack
- Multiple Sclerosis
- Stroke
- Alzheimer’s Disease
- Parkinson’s Disease
- Major Organ Failure
Critical Illness Insurance Example
Tom suffered a relatively small stroke.
- He was hospitalized for five days.
- He began rehab to get back to where he was physically before the stroke.
- Tom submitted his claim and received a lump-sum payment of $10,000.
Hospital Indemnity
- Benefit available for hospital admission and stays.
- Includes a $50 wellness screening benefit.
- Use the benefit as you see fit!
Sample Reimbursements
Total Benefit Paid: $1,000
What Hospital Insurance Covers
- Heart Attack
- Hospital Admission
- Hospital Confinement
- Hospital Intensive Care
- Surgical Care
- Medical Diagnostic and Imaging
- Transportation and Lodging
Hospital Indemnity Insurance Example
In April, Sarah unexpectedly needed back surgery.
- Sarah was admitted to the hospital for surgery.
- After surgery, she began physical therapy to increase her strength and flexibility.
- Sarah submitted her claim and received a lump-sum payment of $1,000.