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 Aflac, which processes and pays claims. Coverage is available for you and your eligible dependents.

UC is partnering with Aflac 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 Aflac 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

Medical expenses not covered by your health insurance

Help covering your rent or mortgage

Help covering your rent or mortgage

Home health care, child and elder care, pet care

Home health care, child and elder care, pet care

Housekeeping

Housekeeping

Meal preparation and/or delivery

Meal preparation and/or delivery

Transportation

Transportation

 

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 Aflac paid directly to you—over and above what any other insurance plan pays. You decide how to use the funds.

At this time, testing and treatment for COVID-19 is not covered by the Accident plan. Benefits for testing and treatment 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, chiropractic or alternative therapy1 $50 per visit
Accident physician follow-up visit2 $75 per visit
Leg brace, crutches, etc. $100 per appliance
Inpatient surgery and anesthesia3 $1,500
Treatment for fracturesUp to $4,750 without surgery
Up to $9,500 with surgery
Treatment for dislocations Up to $4,750 without surgery
Up to $8,000 with surgery
Treatment for burns4 $100 to $20,000
Hospital admission5 $1,000 per confinement
Hospital confinement $200 per day, up to 365 days
Hospital intensive care $500 per day, up to 15 days
Family member lodging $150 per day, up to 30 days

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.


1Maximum of 3 visits for chiropractic and alternative therapy and 10 visits for physical therapy per accident, beginning within 90 days after the accident, provided initial treatment is within 168 hours of the accident.
2Maximum of 2 per accident, within 6 months after the accident, provided the initial treatment is within 168 hours of the accident.
3Maximum of 1 procedure per accident, provided the procedure is within 1 year after the accident.
4Once per accident within 6 months after the accident. Paid according to body surface burned. First-degree burns are not covered.
5Once per accident, within 6 months after the accident. Maximum of 365 days per accident, within 6 months after the accident.

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 Aflac 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. COVID-19 is not covered as a qualifying illness. However, Critical Illness plan participants tested for COVID-19 at a doctor’s office or screened through a telemedicine service, can submit a claim for payment under the Health Screening Wellness Benefit. (From the Wellness accordion, either complete the online form or download, complete and submit a paper form. Select Biometric Screening as the health screening exam on the form.) No documentation of a positive diagnosis is required. However, UC reviews benefit plan design annually, and plans are subject to change at time of renewal. A complete list of qualifying illnesses is available for review in the Critical Illness plan Certificate of Insurance.

What’s Covered

The following are examples of covered critical illnesses.

Benefits Include Benefit Amount
  • Cancer
  • Heart attack or sudden cardiac arrest
  • Stroke
  • Kidney failure (end-stage renal failure)
  • Limited benefit major organ transplant
  • Bone marrow transplant (stem cell transplant)
  • Severe burn
  • Skin cancer
  • Benign brain tumor
100% of coverage amount
  • Coronary artery bypass surgery
  • Non-invasive cancer
  • Advanced Alzheimer’s or Parkinson’s disease
50% of coverage amount
Wellness Benefit
Health Screening
  • Health screening tests performed as the result of preventive care, including tests and diagnostic procedures ordered in connection with routine examinations. (Once per calendar year.)
$100 per calendar year
Mammography Benefit
  • Baseline mammogram for women ages 35 to 39
  • Every two years for women ages 40 to 49 (or more frequently if recommended by a doctor)
  • Annually for women ages 50 and older
$200 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.

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 Aflac 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 $1,000 per confinement1
Hospital confinement + $200 per day2
Additional confinement benefits
Paid in addition to $200 daily benefit:

Hospital intensive care
Paid daily, up to 10 days
+ $200 per day3
Intermediate intensive care step-down unit
Paid daily, up to 10 days
+ $100 per day
Mammography benefit
  • Baseline mammogram for women ages 35 to 39
  • Every two years for women ages 40 to 49
    (or more frequently if recommended by a doctor)
  • Annually for women age 50 and older
+ $100 per calendar year

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.


1Once per covered sickness or accident per calendar year.
2Benefit payable in addition to hospital admission benefit. Limit of 31 days per calendar year.
3Benefit payable in addition to hospital admission and confinement benefit. Limit of 10 days per calendar year.

Cost of Coverage

Coverage ForMonthly Hospital Indemnity Premium
You only$16.19
You and your spouse$32.52
You and dependent children$26.17
Your family$42.50

Calculate the Cost

There is no one-size-fits-all solution to supplemental health insurance. You can customize your coverage by enrolling in the plans (if any) that are right for you. Use the calculator below to estimate your combined monthly cost for medical and supplemental health insurance.

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.

Making Changes to Your Coverage

Once you enroll, coverage changes are allowed only during the annual Open Enrollment period or when you have a qualified life event (e.g., you get married or divorced, start or end a domestic partnership, add a new child to your family). You have 31 days from the date of the event to make changes to your existing coverage.

If you are a new hire, you have 31 days from your date of hire to enroll.
You can cancel coverage at any time. Your coverage will end on the last day of the month that you cancel.

To make changes to or to cancel your coverage, call the UC Plus Customer Service Team toll-free at (888) 212-7201.

Add or Change Your Beneficiary

To add or change a beneficiary for your supplemental health plans, complete the Beneficiary Change Request Form and fax or mail to Aflac. Or call the UC Plus Customer Service Team toll-free at (888) 212-7201.