Overview

Even with comprehensive coverage from your primary medical plan, you will still have some out-of-pocket expenses if you get critically ill or are seriously injured. Supplemental medical insurance offers additional protection to help you pay expenses not covered by your primary medical plan.

 

Accident Insurance

Designed to help protect you from unexpected financial stress if you or a covered family member has an accident, this coverage supplements your primary medical plan by providing cash benefits. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).

Based on your plan, you receive a cash benefit up to a specific amount for:

  • Dislocation or fracture
  • Initial hospital confinement
  • Intensive care
  • Ambulance
  • Medical expenses
  • Outpatient physician’s treatment

Coverage Summary

Examples of benefits the plan pays include the following:

Benefit CoverageAmount
Hospital Admission$1,000 per accident; $200 daily limit
Diagnostic Exam$100
FractureUp to $6,000
DislocationUp to $4,000

The actual benefit amounts depend on the type of injury(ies) you have and the medical services you need.

Learn more about Accident Insurance

Learn more about Accident Insurance in the MetLife Accident Insurance Information and MetLife Accident Insurance Outline of Coverage, as well as at MetLife. Watch this short video about Accident Insurance.

 

Critical Illness Insurance

Critical illness insurance can help you keep your focus on your health when it matters most. This extra coverage can help ease some financial worries during a difficult time.

Your medical plan helps pay providers for services and treatment, but it may not cover some of the unexpected costs that come with a serious illness. The Critical Illness Plan helps fill in gaps by paying benefits directly to you if you are diagnosed with a covered serious illness or condition, such as cancer or having heart attack. You can decide how to use the money however you choose. Benefits are paid directly to you unless assigned to someone else.

You receive a lump-sum benefit to cover out-of-pocket expenses for your treatment that are not covered by your medical plan such as:

  • Deductibles
  • Prescriptions
  • Coinsurance
  • Housekeeping services
  • Special transportation services
  • Child care

Coverage Summary

You have two options for critical illness insurance for you and your eligible dependents. Remember, you receive a lump sum benefit when you use your benefits for covered expenses.

Coverage TierLow Plan High Plan
Employee Coverage$10,000$20,000 
Spouse or Domestic Partner Coverage$5,000$10,000 
Child(ren) Coverage$5,000$10,000
Learn more about Critical Illness Insurance

Learn more about Critical Illness Insurance in the MetLife Critical Illness Insurance Information and MetLife Critical Illness Insurance Outline of Coverage, as well as at MetLife. Watch this short video about Critical Illness Insurance.

 

Hospital Indemnity Insurance

Even with your primary medical coverage, you still may be responsible for copays, deductibles, and other out-of-pocket costs. A hospital indemnity plan provides supplemental payments that you can use to cover expenses your medical plan doesn’t cover, such as hospital stays, ambulance service, surgery, and certain inpatient or outpatient treatments.

No one expects to end up in the hospital for an extended stay. Hospital indemnity insurance is an easy and affordable way to get added financial protection to help you pay for medical expenses or ongoing living expenses. There are no pre-existing condition limitations and it includes hospital stays for pregnancy. You receive a lump-sum cash amount for hospital services, such as:

  • Hospital admission
  • Accident-related inpatient rehabilitation
  • Hospital stays
  • Pregnancy stays
Benefit CoverageAmount
Hospital Admission$1,500 for the day of admission
Confinement Benefit (paid for up to 90 days per calendar year)$100 per day
ICU Supplemental Confinement Benefit (paid for up to 90 days per calendar year)$100 per day
Confinement Benefit for Newborn Nursery Care (paid for up to 2 days per newborn baby)$25 per day
Learn more about Hospital Indemnity Insurance

Learn more about Hospital Indemnity Insurance in the MetLife Hospital Indemnity Insurance Information and MetLife Hospital Indemnity Insurance Outline of Coverage, as well as at MetLife. Watch this short video about Hospital Indemnity Insurance.