2025 Coverage

As medical costs continue to increase, the supplemental health plans can provide the protection you need to help cover unpaid medical expenses. Accident, Critical Illness and Hospital Indemnity (hospitalization) Insurance can bridge that gap in the event of a large, unexpected expense.

Changes for 2025

The following plan changes will take effect in 2025:

Accident Insurance plan

  • New! $1,200 per intensive care unit (ICU) admission
  • ICU hospital confinement benefit increasing from a maximum of three confinements per year to a maximum of 10 confinements per year
  • Non-ICU hospital confinement benefit increasing from a maximum of three confinements per year to a maximum of 10 confinements per year
  • Physician’s office visit benefit increasing from $75 per year to $100 per year
  • NEW! Chiropractic or alternative therapy benefit of $50 per day
  • Outpatient surgery and anesthesia benefit increasing from $500 to $700
  • Covered spouse may elect to become the primary insured at the time of primary insured’s death

Critical Illness Insurance plan

  • Mammography benefit increasing from $100 to $200 per year
  • New! Dependent child benefits payable for autism, juvenile type 1 diabetes, and phenylalanine hydroxylase deficiency
  • New! $100 per year payable for new cancer screenings, including bone mass density, spiral CT, cytological screening, DNA stool analysis, and HIV test via nucleic acid
  • Illness recurrence provision changing from six months to 90 days
  • Covered spouse may elect to become the primary insured at the time of primary insured’s death

Hospital Indemnity Insurance plan

  • New! Mammography benefit of $100 per year
  • New! Benefit for intermediate intensive care unit (ICU) step-down unit
  • Hospital admission benefit increasing from a maximum of five times per year to a maximum of 10 times per year
  • Hospital confinement benefit increasing from a maximum of five confinements per year to a maximum of 10 confinements per year
  • Hospital ICU confinement benefit increasing from a maximum of five confinements per year to a maximum of 10 confinements per year
  • New! $1,200 per intensive care unit (ICU) admission
  • No exclusions for substance abuse-related hospitalizations

Find details about these plan changes in our 2025 Supplemental Health Plans Guide.

Good news!

There will be no change in supplemental health plan premiums for 2025.

Important Documents