BEARCOM logo

Supplemental Health Benefits

Supplemental Health Benefits

Supplemental insurance provides cash benefits to help with out-of-pocket medical costs.

Available Plans

Accident Coverage

Voya

Accident coverage, available through Voya, provides benefits for you and your covered family members if you have expenses related to an accident that occurs outside of work.

What's included

  • Health insurance helps with medical expenses, but this coverage is an additional layer of protection that can help you pay deductibles, copays, and even typical day-to-day expenses.
  • Benefits under this plan are payable to you, to use as you wish.

Critical Illness Coverage

Voya

Critical Illness coverage through Voya pays a lump-sum benefit if you are diagnosed with a covered disease or condition.

What's included

  • Guaranteed Issue Coverage (no medical questions)
  • Employee: $5,000 - $20,000 in $5,000 increments
  • Spouse: $5,000 or $10,000
  • Child(ren): $1,000, $2,500, $5,000, or $10,000 not to exceed 50% of employee benefit

Hospital Indemnity Coverage

Voya

Hospital Indemnity Coverage through Voya pays cash benefits directly to you if you have a covered stay in a hospital or critical care unit (ICU).

What's included

  • Benefits are payable for pregnancy on the first day of coverage
  • Coverage is guaranteed issue; no medical questions