Voluntary Benefits
Coverage Provider: MetLife
Group #102860
Phone: 800-GET-MET8 (800-438-6388)
https://www.metlife.com/insurance/accident-health/
Tell me about this Health Screening
Benefit.
Covered individuals can receive a $50 payment for completing a
screening/prevention appointment during the coverage plan year with
any of the voluntary benefit insurance options listed below. The
wellness visit required for the Wellness Program qualifies!
When and how to I get my money?
If you have a qualifying event for the coverage type(s) you
elected, you will need to file a claim with MetLife. You can
contact MetLife by phone at 1-800-438-6388 or by signing in online
at,
https://www.metlife.com/insurance/accident-health/critical-illness-insurance/,
group #102860. Once MetLife receives the documentation they need,
they will process your claim within 10 days. The insurance payout
for an approved claim, will be made by check to you directly.
Hospital Indemnity Insurance
Did you know, the average cost of a hospital stay in the U.S. is
$9,700. Hospital stays are expensive, but this benefit can
help. Group hospital indemnity insurance provides a
lump-sum payment directly to you up to your
benefit coverage amount, if you or a family member should become
hospitalized.
Hospital does not include certain facilities such as nursing
homes, convalescent care or extended care facilities. See MetLife's
Disclosure Statement or Outline of Coverage/Disclosure Document for
full details.
What is covered?
This plan covers hospital admission, accident-related inpatient
rehabilitation and hospital stays.
METLIFE'S ACCIDENT AND HOSPITAL INDEMNITY INSURANCE POLICIES ARE
LIMITED BENEFIT GROUP INSURANCE POLICIES. The policies are not
intended to be a substitute for medical coverage and certain states
may require the insured to have medical coverage to enroll for the
coverage. The policies or their provisions may vary or be
unavailable in some states. There is a preexisting condition
limitation for hospital sickness benefits, if applicable. There are
benefit reductions that begin at age 65. And, like most group
accident and health insurance policies, policies offered by MetLife
may contain certain exclusions, limitations and terms for keeping
them in force. For complete details of coverage and availability,
please refer to the group policy form GPNP12-AX or GPNP13-HI or
contact MetLife. Benefits are underwritten by Metropolitan Life
Insurance Company, New York, New York. In certain states,
availability of MetLife's Group Hospital Indemnity Insurance is
pending regulatory approval.
Hospital Indemnity SBC
Hospital Indemnity SPD
Critical Illness Insurance
Check out this short video,
Critical Illness Insurance.
Did you know, that some families spend as much as $14,444 or
more during a time of critical illness and recovery. Critical
Illness insurance can help protect your family's
finances. If you experience a covered critical illness in
2018, this coverage provides you with a lump-sum
payment, up to their benefit coverage
amount. The payment is made directly to you and can be
used in any way you see fit.
MetLife's Critical Illness Insurance is not intended to be a
substitute for Medical Coverage providing benefits for medical
treatment, including hospital, surgical and medical expenses.
MetLife's Critical Illness Insurance does not provide reimbursement
for such expenses.
What is a covered condition?
Covered conditions include heart attack, cancer, stroke,
coronary artery bypass graft, kidney failure, Alzheimer's disease
and major organ transplants. There are also, 22 other conditions
that receive a 25% initial benefit amount. See links below for more
information.
Additional diagnosis - Covered members can get paid out for more
than one condition during the same plan year, up to the total
benefit amount elected. The diagnosis must be for a new condition
to qualify.
Are there any pre-existing condition
stipulations?
Yes, if the covered individual has been treated for a condition
(including getting a prescription) during the 3 month period
prior to their coverage start date
(in this case, between October 1, 2017 and December 31, 2017), they
cannot make a claim related to that same condition for the first 6
months of coverage, unless that condition is a heart attack or
stroke, in which case it is covered.
Critical Illness Flyer
Critical Illness SBC
Critical Illness SPD
Accident Insurance
First stop: Check out this short
video,
Accident Insurance.
Did you know, that the average cost of an emergency room visit
due to an accident is $1,354. Be better prepared when the
unexpected happens. Accidents happen frequently and can be
very costly. And while you can't always prevent them, you can get
help to make your recovery less expensive and stressful. Accident
insurance payments are made directly to you up to
your benefit coverage amount, and can be used in any way you see
fit.
What is covered?
This plan covers over 150 different events, including fractures,
dislocations, second and third degree burns, concussions,
cuts/lacerations and eye injuries. The plan also pays out a
lump-sum payment when you receive any of the following medical
services or treatments, ambulance, emergency care, inpatient
surgery, outpatient surgery, medical testing, physician follow-up
visits, transportation, home modifications and therapy services.
See attached for more information on coverage amounts.
METLIFE'S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP
INSURANCE POLICY. The policy is not intended to be a substitute for
medical coverage and certain states may require the insured to have
medical coverage to enroll for the coverage. The policy or its
provisions may vary or be unavailable in some states. There is a
preexisting condition limitation for hospital sickness benefits, if
applicable. MetLife's Accident Insurance may be subject to benefit
reductions that begin at age 65. And, like most group accident and
health insurance policies, policies offered by MetLife may contain
certain exclusions, limitations and terms for keeping them in
force. For complete details of coverage and availability, please
refer to the group policy form GPNP12-AX or contact MetLife.
Benefits are underwritten by Metropolitan Life Insurance Company,
New York, New York.
Accident
Flyer
Accident SBC
Accident SPD