Overview
While your primary medical coverage pays doctors and hospitals directly for costs related to your care, supplemental medical plans pay cash benefits directly to you — you can use this money however you want. These plans are provided through The Hartford.
Key features
Supplemental medical plans provide:
Cash benefits
to help you pay expenses not covered by your primary medical coverage.
Flexibility
to spend your benefit payment(s) on anything, including medical bills, transportation costs, child care fees, and daily living expenses.
Financial protection
against high costs related to accidental injuries, a serious illness, or a hospital stay.
2024 supplemental medical plans
You can enroll in these plans as a new hire, during Open Enrollment, or if you have a qualifying life event. To enroll, log in to OKTA to access UKG.
Accident insurance
Protects you from financial stress if you or a covered family member is injured in an accident.
Specified disease insurance
Provides financial support to help you manage expenses related to a serious health diagnosis.
Keep in mind
Supplemental medical plans only add to coverage provided by your primary medical plan. They don’t cover your day-to-day health care needs.
How much does supplemental medical coverage cost?
Supplemental medical coverage is relatively inexpensive compared to your primary medical plan premiums. These plans often work well in combination with a high-deductible health plan like the MarketAxess HDHP, giving you added peace of mind at a low cost. You pay the full cost of coverage through after-tax paycheck deductions. The amount you pay will depend on which plan(s) you choose and whether you cover just yourself or family members, too. To see your premiums and enroll, log in to OKTA to access UKG.
Accident Insurance
Accident insurance pays cash benefits to help cover the cost of treatment for covered accidental injuries that occur while you’re off the job. You can use this money to pay medical bills or anything else. Unless otherwise noted, the benefit amounts payable under each plan are the same for you and your dependent(s). Learn more about accident insurance.
Coverage details
Emergency, hospital, and treatment care
| Emergency, hospital, and treatment care | Details | Benefit amount payable |
| Accident follow-up | Up to 3 visits per accident | $75 |
| Acupuncture, chiropractic care, physical therapy | Up to 10 visits each per accident | $25 |
| Ambulance (air) | Once per accident | $900 |
| Ambulance (ground) | Once per accident | $300 |
| Blood/plasma/platelets | Once per accident | $200 |
| Child care | Up to 30 days per accident while insured is confined | $25 |
| Daily hospital confinement | Up to 365 days per lifetime (total daily and ICU) | $200 |
| Diagnostic exam | $100 | $200 |
| Emergency dental | Once per accident | Up to $300 |
| Emergency room | Once per accident | $150 |
| Hospital admission | Once per accident | $1,000 |
| Initial physician office visit | Once per accident | $75 |
| Medical appliances | Once per accident | $100 |
| Rehabilitation facility | Up to 15 days per lifetime | $100 |
| Transportation | Up to 3 trips per accident | $300 |
| Urgent care | Once per accident | $75 |
| X-ray | Once per accident | $50 |
Specified injury and surgery
| Specified injury and surgery | Details | Benefit amount payable |
| Abdominal/thoracic surgery | Once per accident | $1,500 |
| Arthroscopic surgery | Once per accident | $300 |
| Burn | Once per accident | Up to $10,000 |
| Burn – skin graft | Once per accident for 3rd degree burns | 25% of burn benefit |
| Concussion | Up to 3 per year | $150 |
| Dislocation | Once per joint per lifetime | Up to $4,000 |
| Eye injury | Once per accident | Up to $400 |
| Fracture | Once per bone per accident | Up to $6,000 |
| Hernia repair | Once per accident | $150 |
| Joint replacement | Once per accident | $150 |
| Knee cartilage | Once per accident | Up to $750 |
| Laceration | Once per accident | Up to $600 |
| Ruptured disc | Once per accident | $750 |
| Tendon/ligament/rotator cuff | Up to 15 days per lifetime | Up to $1,000 |
Catastrophic
| Catastrophic | Details | Benefit amount payable |
| Accidental death | Within 90 days; spouse at 50% and child at 25% | $30,000 |
| Common carrier death | Within 90 days | 3 times death benefit |
| Coma | Once per accident | $10,000 |
| Dismemberment | Once per accident | Up to $30,000 |
| Home health care | Up to 30 days per accident | $50 |
| Paralysis | Once per accident | Up to $10,000 |
Specified Disease Insurance
Specified disease insurance protects against the financial impact of certain health conditions, such as a heart attack, cancer, or stroke. If you’re diagnosed with a covered illness, you receive a lump-sum benefit payment that you can use however you want. Learn more about specified disease insurance.
Coverage details
Coverage amounts:
- For you: Choice of $10,000 or $20,000
- For your spouse/partner: 50% of your coverage amount
- For your child(ren): $5,000
Coverage maximums:
- For you and your spouse/partner: 200% of coverage amount
- For your child(ren): 100% of coverage amount
Covered illnesses
| Covered illness | Benefit amount payable |
| Benign brain tumor; invasive cancer | 100% |
| Non-invasive cancer | 50% |
| Heart attack; stroke | 100% |
| End stage renal failure; major organ transplant | 100% |
You are also eligible for a one-time benefit of $50 when you complete a health screening as described in the plan documents.