Hospital Stays Can Mean Unexpected Expenses
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. 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. UC is partnering with Aflac to offer group coverage designed specifically for UC employees at prices lower than those offered to the general public. Coverage is available for you and your eligible dependents.
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.
Cash to Use However You Choose
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
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|
||+ $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 Supplemental Health Plans guide.
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 For||Monthly Hospital Indemnity Premium|
|You and your spouse||$32.52|
|You and dependent children||$26.17|
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.
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.