About the Plans
UC’s group supplemental health plans—Accident, Critical Illness, and Hospital Indemnity—work alongside UC’s medical and disability coverage to supplement your UC benefit. The plans are custom-designed specifically for UC and administered by Prudential, which processes and pays claims. Coverage is available for you and your eligible dependents.
UC is partnering with Prudential to offer group coverage designed specifically for UC employees at prices lower than those offered to the general public. You pay the full cost of premiums through convenient after-tax payroll deductions. Total costs vary depending on who you cover. Because premiums are paid with after-tax dollars, you don’t pay taxes on benefit payments you receive from the plan.
If you want to add financial protection for an unexpected medical emergency, then you might want to consider the added value that one or more of the supplemental health plans can provide. If you need help understanding how your UC medical plan options work, review the medical plan information on UCnet.
Cash to Use However You Choose
If you receive services for a covered accident, illness or hospital stay, you will get a cash benefit from Prudential paid directly to you—over and above what any other insurance plan pays. You decide how to use the funds.
Medical expenses not covered by your health insurance
Help covering your rent or mortgage
Home health care, child and elder care, pet care
Meal preparation and/or delivery
Accident
You’re painting the kitchen and slip off the ladder. Your child gets hurt playing soccer. You get rear-ended on your way home from work. Accidents and injuries happen when you least expect them, and most people don’t budget for these unexpected events.
Accident insurance adds an extra layer of financial support to supplement your UC medical and disability benefit plans. If you receive services for a covered accident, such as an ER or urgent care visit, surgery, X-rays or physical therapy, you will get a cash benefit from Prudential paid directly to you—over and above what any other insurance plan pays. You decide how to use the funds.
Benefits for testing, treatment and hospitalization are available through the Critical Illness and Hospital Indemnity plans.
What’s Covered
The following are common services that will trigger a benefit payment, when received as the result of a covered accident. The benefit you receive is based on the specific medical care received.
|
Benefits Include
|
Benefit Amount
|
|---|
|
Emergency room and urgent care visit with X-ray
| $350 per accident |
|
Ground ambulance
|
$400 per trip
|
| Physical therapy |
$50 per visit
|
| Accident visit with physician |
$100 per visit
|
| Accident physician follow-up visit |
$75 per visit
|
|
Leg
brace, crutches, etc.
|
$50-$100 per appliance
|
| Inpatient surgery |
$1,500
|
| Treatment for fractures | Up to $9,500 |
| Treatment for dislocations | Up to $8,000 |
| Treatment for burns |
$100 to $20,000
|
| Hospital admission and confinement | $1,200 per confinement + $200 per day* |
This listing does not reflect each and every benefit, exclusion or limitation which may apply. For complete information, refer to the Accident Certificate of Insurance [PDF].
*$200 per day confinement benefit begins on day two after admission.
Cost of Coverage
|
Coverage For
|
Monthly Accident Insurance Premium
|
|---|
|
You
only
|
$9.67
|
|
You
and your spouse
|
$15.86
|
|
You
and dependent children
|
$19.85
|
|
Your
family
|
$26.04
|
Critical Illness
If you or someone you know has been diagnosed with a critical illness, you’ve seen the toll it takes on the individual and their family—physically, emotionally and financially. The UC Plus Critical Illness plan provides a cash benefit for covered critical illnesses, such as a heart attack or stroke, providing financial support you can count on when you need it most.
Critical Illness insurance adds an extra layer of financial support to supplement your UC medical and disability benefit plans. If you experience a covered critical illness, you will get a cash benefit from Prudential paid directly to you—over and above what any other insurance plan pays. You decide how to use the funds.
The Critical Illness plan provides coverage for a limited number of pre-determined illnesses, including cancer, heart attack, stroke, and severe burns. A complete list of qualifying illnesses is available for review in the Critical Illness plan Certificate of Insurance [PDF].
What’s Covered
The following are examples of covered critical illnesses.
|
Benefits Include
|
Benefit Amount
|
|---|
- Invasive cancer
- Heart attack
- Stroke
- Kidney failure
- Severe burn
- Benign brain tumor
- Major organ failure (includes bone marrow/stem cell transplant)
- Severe Coronary Artery Disease
|
100% of coverage
amount
|
- Non-invasive cancer
- Advanced Alzheimer’s or Parkinson’s disease
|
50% of coverage amount
|
| Coronavirus-related hospitalization of five or more days
| 25% of coverage amount |
| Mammography screening | $200 per calendar year |
| Annual preventive health screening exam | $100 per calendar year |
This listing does not reflect each and every benefit, exclusion or limitation which may apply. For complete information, refer to the Critical Illness Certificate of Insurance [PDF].
Cost of Coverage
Rates are based on
level of coverage and age. Coverage for eligible dependent children is free
when you cover yourself. Just add your dependent children after you enroll
yourself.
The monthly premiums shown below are for each covered adult. Spouses must be enrolled separately. You and your spouse must enroll in the same coverage option (either both in the $10,000 option or both in the $30,000 option). Because rates are based on age, you and your spouse (if enrolled) may have different monthly premiums.
Monthly Premium by Age
| Age | $10,000 Coverage Option | $30,000 Coverage Option |
|---|
| 18–25 |
$4.87
|
$9.46
|
| 26–30 |
$5.84
|
$12.35
|
| 31–35 |
$6.51
|
$14.37
|
| 36–40 |
$8.01
|
$18.86
|
| 41–45 |
$9.66
|
$23.81
|
| 46–50 |
$10.19
|
$25.41
|
| 51–55 |
$16.86
|
$45.43
|
| 56–60 |
$15.91
|
$42.57
|
| 61–65 |
$26.17
|
$73.34
|
| 66+ |
$54.36
|
$157.93
|
Hospital Indemnity
Even a minor trip to the hospital can result in unexpected expenses. When you have a hospital stay, the UC Plus Hospital Indemnity plan pays a predetermined dollar amount directly to you when you’re admitted to the hospital for a covered accident or sickness, including maternity care and COVID-19. It continues to pay a cash benefit for every day you’re in the hospital, up to 31 days.
Hospital Indemnity insurance adds an extra layer of financial support to supplement your UC medical and disability benefit plans. If you are admitted to the hospital or have an inpatient hospital stay, you will get a cash benefit from Prudential paid directly to you—over and above what any other insurance plan pays. You decide how to use the funds.
What’s Covered
This plan provides coverage for hospital admissions and daily confinement benefits. No coverage is available for medical treatment or services provided at a hospital.
| Benefits Include | Benefit Amount |
|---|
| Hospital admission | $1,200 |
| Intensive care unit (ICU) admission | $1,200 |
| Hospital confinement | + $200 per day* |
| Hospital intensive care | + $400 per day* |
This plan does not cover visits to the emergency room when you are not admitted to the hospital.
This listing does not reflect each and every benefit, exclusion or limitation which may apply. For complete information, refer to the Hospital Indemnity Certificate of Insurance [PDF].
*$200 per day confinement benefit begins on day two after admission.
Cost of Coverage
| Coverage For | Monthly Hospital Indemnity Premium |
|---|
| You only | $16.19 |
| You and your spouse | $32.52 |
| You and dependent children | $26.17 |
| Your family | $42.49 |
How You Pay for Coverage
You pay the full cost of premiums through convenient after-tax payroll deductions. Total costs vary depending on who you cover. Because premiums are paid with after-tax dollars, you don’t pay taxes on benefit payments you receive from the plan.
