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Voluntary Accident Coverage Wellness (Health
Screening) Benefit
Optimas offers you the opportunity to purchase voluntary accident This beneit pays $75 once per year
coverage at competitive group rates from Reliance Standard. per covered person if a covered health
Voluntary accident coverage provides a range of ixed, lump-sum screening test is performed, including
beneits for non-occupational injuries resulting from a covered blood tests, chest x-rays, stress tests,
accident. This coverage is designed to help meet the out-of-pocket mammograms, and colonoscopies.
expenses and extra bills which can follow an accidental injury such A full list of covered tests will be
provided in your certiicate.
as lost wages, increased household expenses, and leftover costs
medical insurance doesn’t cover. Indemnity lump sum beneits
through Reliance Standard are paid directly to you based on the
amount of coverage listed in the schedule of beneits. You cannot
be turned down for voluntary accident coverage if you are an
eligible employee—coverage is guaranteed issue which means no
health questions are required.
Summary of Beneits*
Ambulance (ground/air) $150/$750
Medical imaging test (MRI, MR, CT, CAT, $200
EEG)—limited to one per accident
Emergency treatment (physician ofice/ $200
specialist or urgent care)
Primary care physician/physician follow- $75
up—once per accident
Hospitalization Beneits
Initial hospital admission $1,000
Hospital daily beneit—365-day $250
maximum
Initial ICU admission $1,500 Accident Premiums
ICU daily beneit—30-day maximum $500
Covered Injuries and Surgical Procedures Coverage Level
Bi-
Burns—2nd degree/3rd degree—up to $1,600/$12,800 Weekly Weekly Monthly
Skin grafts 25% of burn beneit Employee
Coma $7,500 Employee $2.82 $5.65 $12.24
Concussion $150 + spouse $4.74 $9.47 $20.52
Tendon, ligament, rotator cuff, and $900/$900/$750 Employee $5.90 $11.80 $25.56
ruptured disc repair +
(repair of one/multiple/exploratory only) child(ren)
Additional beneits Family $7.86 $15.72 $34.05
Lodging (per night)—for one person $150 per day (up to 30 days if
100+ miles from residence) Please note these are pre-tax premiums.
Transportation—three round trip $450 (100+ miles from residence)
maximum
* This list is not all-inclusive. 15
Screening) Benefit
Optimas offers you the opportunity to purchase voluntary accident This beneit pays $75 once per year
coverage at competitive group rates from Reliance Standard. per covered person if a covered health
Voluntary accident coverage provides a range of ixed, lump-sum screening test is performed, including
beneits for non-occupational injuries resulting from a covered blood tests, chest x-rays, stress tests,
accident. This coverage is designed to help meet the out-of-pocket mammograms, and colonoscopies.
expenses and extra bills which can follow an accidental injury such A full list of covered tests will be
provided in your certiicate.
as lost wages, increased household expenses, and leftover costs
medical insurance doesn’t cover. Indemnity lump sum beneits
through Reliance Standard are paid directly to you based on the
amount of coverage listed in the schedule of beneits. You cannot
be turned down for voluntary accident coverage if you are an
eligible employee—coverage is guaranteed issue which means no
health questions are required.
Summary of Beneits*
Ambulance (ground/air) $150/$750
Medical imaging test (MRI, MR, CT, CAT, $200
EEG)—limited to one per accident
Emergency treatment (physician ofice/ $200
specialist or urgent care)
Primary care physician/physician follow- $75
up—once per accident
Hospitalization Beneits
Initial hospital admission $1,000
Hospital daily beneit—365-day $250
maximum
Initial ICU admission $1,500 Accident Premiums
ICU daily beneit—30-day maximum $500
Covered Injuries and Surgical Procedures Coverage Level
Bi-
Burns—2nd degree/3rd degree—up to $1,600/$12,800 Weekly Weekly Monthly
Skin grafts 25% of burn beneit Employee
Coma $7,500 Employee $2.82 $5.65 $12.24
Concussion $150 + spouse $4.74 $9.47 $20.52
Tendon, ligament, rotator cuff, and $900/$900/$750 Employee $5.90 $11.80 $25.56
ruptured disc repair +
(repair of one/multiple/exploratory only) child(ren)
Additional beneits Family $7.86 $15.72 $34.05
Lodging (per night)—for one person $150 per day (up to 30 days if
100+ miles from residence) Please note these are pre-tax premiums.
Transportation—three round trip $450 (100+ miles from residence)
maximum
* This list is not all-inclusive. 15
