Critical Illness

Serious Illness Can Mean Serious Costs

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. UC is partnering with Aflac to offer group coverage designed specifically for UC employees at group rates. Coverage is available for you and your eligible dependents.

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.

Cash to Use However You Choose

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

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
  • Annual preventive care exam, including routine exam, tests and diagnostic procedures (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 Supplemental Health Plans guide.

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

How You Pay for Coverage

You pay the full cost of premiums through convenient after-tax payroll deductions. Because premiums are paid with after-tax dollars, you don’t pay taxes on benefit payments you receive from the plan.

Does Your Current Health Care Coverage Fit Your Needs?

UC offers a variety of medical plans with differing levels of benefit coverage, out-of-pocket costs, and monthly premiums, all in an effort to meet the diverse needs of UC employees. If you are considering changing medical plans, or just want to add financial protection for an unexpected medical emergency, then you might want to think about the added value one or more of the supplemental health plans can provide. These plans offer added financial protection when you need it most.

Make good decisions about your health care. Before making changes to your current medical plan, be sure to review the medical plan information on the UCnet 2020 Open Enrollment page. Speak with your Health Care Facilitator if you need help understanding how your UC medical plan options work.

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.

What Happens After I Enroll?

After you enroll, you’ll receive a welcome letter from Aflac with more information about your coverage.

Have Questions or Need Help?

Call the UC Plus Customer Service Team toll-free at (888) 212-7201, Monday through Friday, 6:00 a.m. to 5:00 p.m. Pacific, excluding holidays.