Page 12 - 2023 HCTec Benefits Guide Corporate

Voluntary Plans

Accident Plan- CIGNA Critical Illness Plan- CIGNA

Accident Insurance provides benefits to help cover the costs Critical Illness Insurance provides cash to help pay for both
associated with unexpected bills due to covered accidents, medical expenses not covered by your medical plan as well as
regardless of any other insurance you have. If you purchase day-to-day expenses that may start to add up – like rent,
coverage and are hurt in a covered accident, you will receive mortgage, car payments, etc. – while you are ill. With Critical
a cash benefit for covered injuries. Illness Insurance, if you are diagnosed with a covered illness,
you get a lump-sum cash benefit, even if you receive other
Coverage amounts
insurance benefits.
CIGNA Accident Plan
Coverage amounts
Cash benefit based on type of accident
Employee Spouse Child(ren)
(Ranges from $50-25,000)
$5,000, $5,000 or 25% of employee
Examples of covered: coverage amount
$10,000, $10,000
 Broken bones
 Burns $15,000 or (Cannot exceed
Employee
 Torn ligaments $20,000
coverage)
 Cuts repaired by stitches
 Eye injuries Examples of covered illnesses:
 Ruptured discs
 Cancer (Invasive)
 Concussion
 Heart attack

Medical GAP Plan- Symetra  Major organ failure
Medical GAP Insurance provides a fixed lump-sum payment  End-stage renal (kidney) failure
that can help cover hospital expenses not covered by  Stroke
insurance, or to pay for expenses while you, your Your initial benefit provides a lump-sum payment upon the
spouse/domestic partner and/or dependents are in first diagnosis of a covered condition. Your plan pays a 100%
the hospital. recurrence benefit on the above listed conditions if it
 The plan pays $300 per day, for up to 5 days (per person, reoccurs 12 months apart without treatment.
per calendar year), that an individual is hospitalized.
 The plan pays $600 per day, for up to 5 days (per person, Legal Plan- MetLife
per calendar year), that an individual is in intensive care. The legal plan provides legal representation for you, your
spouse, and your dependents at a price that won’t break your
Pet Plan- Nationwide budget. You can receive legal advice and fully covered legal
You can purchase health insurance, administered by services for a wide range of personal legal matters from a
Nationwide, for your dog or cat. Like a regular health network-participating plan attorney. Services provided
insurance plan, a pet insurance policy can help you plan for through the plan include:
your pet’s health care — and offset costs for routine care and  Court appearances
unexpected illness or injury. Your premium is based on your  Document review and preparation
pet’s species, age, the benefits coverage you select and  Debt collection defense
where you live. For more information, a quote or to enroll,  Will preparation
visit http://www.petinsurance.com/hctec.  Family law
 Real estate matters
When you use a plan attorney for covered services, there is
no waiting period, limits on usage, deductibles or copays. The
plan is available at a low monthly group rate, which you can
pay through automatic payroll deductions.

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