Page 12 - 2023 HCTec Benefits Guide Consultant

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,
mortgage, car payments, etc. – while you are ill. With Critical
coverage and are hurt in a covered accident, you will receive
Illness Insurance, if you are diagnosed with a covered illness,
a cash benefit for covered injuries.
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
$10,000, $10,000 coverage amount
Examples of covered: $15,000 or (Cannot exceed
 Broken bones $20,000 Employee
 Burns coverage)
 Torn ligaments Examples of covered illnesses:
 Cuts repaired by stitches
 Eye injuries  Cancer (Invasive)
 Heart attack
 Ruptured discs
 Concussion  Major organ failure
 End-stage renal (kidney) failure

Medical GAP Plan- Symetra  Stroke
Medical GAP Insurance provides a fixed lump-sum payment Your initial benefit provides a lump-sum payment upon the
that can help cover hospital expenses not covered by first diagnosis of a covered condition. Your plan pays a 100%
insurance, or to pay for expenses while you, your recurrence benefit on the above listed conditions if it
spouse/domestic partner and/or dependents are in reoccurs 12 months apart without treatment.
the hospital. Legal Plan- MetLife
 The plan pays $300 per day, for up to 5 days (per person, The legal plan provides legal representation for you, your
per calendar year), that an individual is hospitalized.
spouse, and your dependents at a price that won’t break your
 The plan pays $600 per day, for up to 5 days (per person, budget. You can receive legal advice and fully covered legal
per calendar year), that an individual is in intensive care. services for a wide range of personal legal matters from a
network-participating plan attorney. Services provided
through the plan include:
Pet Plan- Nationwide
 Court appearances
You can purchase health insurance, administered by
 Document review and preparation
Nationwide, for your dog or cat. Like a regular health  Debt collection defense
insurance plan, a pet insurance policy can help you plan for
 Will preparation
your pet’s health care — and offset costs for routine care and  Family law
unexpected illness or injury. Your premium is based on your
 Real estate matters
pet’s species, age, the benefits coverage you select and
where you live. For more information, a quote or to enroll, When you use a plan attorney for covered services, there is
visit http://www.petinsurance.com/hctec. 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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