Benefits

Voluntary Benefits

Carrier Contact Information

MetLife

Group #102860

Phone: 800-GET-MET8 (800-438-6388)

Website: https://www.metlife.com/insurance/accident-health/


Voluntary Benefits Recorded Presentation

DriveTime offers three different Voluntary Benefit plans. Employee's can elect any combination of these plans and cover themselves and their eligible dependents as a new hire or during open enrollment. The three available plans are: Hospital Indemnity, Accident and Critical Illness. All three plans are what is considered supplemental coverage. Meaning that they would not replace medical coverage, they instead are an opportunity to give you some financial support in addition to your medical coverage.

Scroll down to learn more about these different insurance types.

Tell me about this Health Screening Benefit.

All three of these voluntary benefit options offer the opportunity to recieve $50 just for completing a preventive appointment during the coverage plan year (i.e. dental cleanin, physical wellness exam, women's wellness exam, eye exam, etc.). 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

State Specific Hospital Certificates

Alaska, Arizona Arkansas, Californa, Connecticut, Delaware, Florida, Idaho, Louisianna, Massachussets, Maryland, Maine, Minnesota, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Texas, Utah, Vermont, Washington, Wisconsin, West Virginia, Wyoming

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