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

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 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 physician follow-up visit $75 per visit
Leg brace, crutches, etc. $100 per appliance
Inpatient surgery $1,500
Treatment for fracturesUp 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
  • 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
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
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 ForMonthly 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.