Voluntary Benefits
What are supplemental health plans?
Supplemental health plans provide peace of mind and financial protection for expenses not covered by your primary health insurance. A hospital stay, serious illness or injury may not be just a physical setback. It can also disrupt your mental, social, and financial well-being. Clario offers you three MetLife Supplemental Health Plans that provide personalized support to help you during your recovery.
Supplemental Health Plans
Accidental Injury Insurance ⊕
Accident insurance is coverage that can help with unexpected expenses, such as those that may not be covered under your medical plan. Accidents can happen anytime, anywhere and when you least expect them. While you can’t plan for the unexpected, you can be better prepared financially with MetLife Accident Insurance.
What you need to know about MetLife’s Accident Insurance coverage:
- Over 150 covered events and services, such as fractures, dislocations and medical treatments or tests.
- You and your eligible family members are guaranteed coverage. No medical exam required.
- Lump-sum payment that can help pay for unexpected costs that result from an accident.
- Premiums will be automatically deducted from your paycheck.
*Critical Illness Insurance ⊕
Critical Illness Insurance can provide you with a benefit that can help you pay for unexpected costs, such as those that your existing medical insurance may not cover. With Critical Illness Insurance, MetLife can help you and your family have the financial stability necessary to completely focus on healing during a difficult time. Critical illnesses that are covered include:
- Cancer
- Kidney Failure
- Heart Attack
- Stroke
*Hospital Indemnity Insurance ⊕
Hospital stays can be pricey and often unexpected. Even quality healthcare plans don’t cover all expenses, so taking steps to help protect yourself can make a big difference. While in the hospital, you’ll likely need various treatments, tests and therapies to get up and about again. Expenses like plan deductibles, co-pays for doctor visits and extra costs for out-of-network care can add up fast. Having help with the financial support you may need when the time comes means less worry for you and your family. MetLife Hospital Indemnity Insurance can help safeguard your finances by providing you with a lump-sum benefit payment—one benefit payment all at once—when you or your family may need it most. A flat amount is usually paid for a hospital admission, with a per-day amount paid for your entire hospital stay.
- What you need to know about MetLife’s Hospital Indemnity coverage: You and your eligible family members are guaranteed coverage, with no medical exam and no hassle.
- Lump-sum payment can be used as you see fit, such as to help cover costs that result from a hospitalization.
- Premiums will be automatically deducted from your paycheck.
THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY ARE NOT COMPREHENSIVE HEALTH INSURANCE COVERAGE AND DO NOT COVER ALL MEDICAL EXPENSES. PLEASE REFER TO YOUR BENEFIT SUMMARIES FOR MORE INFORMATION.
Wellness Screening Benefit
*For those enrolled in the Critical Illness and/or Hospital Indemnity plans, you and everyone enrolled (spouse, dependent children) can earn a benefit just for taking care of your health!
If you receive a covered screening and prevention tests, you may be eligible for a Health Screening Benefit (HSB).
For more details, click the button below.
