Supplemental Medical
Supplemental Medical Plans pay a fixed, one-time benefit amount which you can use for any purpose you like. It can help pay for expenses not covered by your healthcare plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home healthcare costs, or any of your regular household expenses.
What’s great about these plans are that they complement your existing healthcare coverage, filling in the gaps and offering financial support where it’s needed most. The best part? It’s entirely up to you. These plans are 100% voluntary, allowing you to choose the coverage that fits your lifestyle and priorities. It’s insurance that puts you in control, providing peace of mind when life takes unexpected turns.
Accident Insurance
On his way to work, John was in a car accident.
- He was transported by ground ambulance to the emergency room and admitted to the hospital.
- He had a dislocated hip and spent five days in the hospital.
- He had several physical therapy sessions before returning to work.
- John submitted his accident claim and received $5,850 from his accident insurance coverage.
- He used it towards his deductible, copay, and supplemental income for his missed workdays.
Sample Reimbursements
Ground Ambulance: $300
Emergency Room: $150
X-Ray: $50
MRI: $150
Hospital Stay – Admission + 5 days: $2,000
Dislocated Hip: $3,000
Appliances: $100
Physical Therapy (4 sessions): $400
Total Benefit Paid: $5,850
What Accident Insurance Covers
- Emergency Room Visits
- Hospital Stays
- Fractures and Dislocations
- Medical Exams – including major diagnostic exams
- Physical Therapy
- Transportation and Lodging – if you are away from home when the accident happens
Critical Illness
Tom suffered a relatively small stroke.
- He was hospitalized for five days.
- He began rehab to get back to where he was physically before the stroke.
- Tom submitted his claim and received a lump-sum payment of $10,000.
Sample Reimbursements
Employee and Spouse: $5,000 – $30,000 in $5,000 increments
Children: $1,000 – $15,000
What Critical Illness Insurance Covers
- Heart Attack
- Multiple Sclerosis
- Stroke
- Alzheimer’s Disease
- Parkinson’s Disease
- Major Organ Failure
Hospital Indemnity
In April, Sarah unexpectedly needed back surgery.
- Sarah was admitted to the hospital for surgery.
- After surgery, she began physical therapy to increase her strength and flexibility.
- Sarah submitted her claim and received a lump-sum payment of $1,000.
Sample Reimbursements
Total Benefit Paid: $1,000
What Hospital Insurance Covers
- Heart Attack
- Hospital Admission
- Hospital Confinement
- Hospital Intensive Care
- Surgical Care
- Medical Diagnostic and Imaging
- Transportation and Lodging
TRICARE Supplemental
The TRICARE Supplemental Insurance Plan, offered through Hartford Life and Accident Insurance Company and administered by SelmanCo, is available to TRICARE-eligible employees as an alternative to traditional employer health plans. It is designed to complement existing TRICARE coverage, including TRICARE Select, Prime, and Retired Reserves.
Benefit Highlights
Deductibles:
- Standard: $100 per person / $200 per family
- TRICARE Prime: No supplement deductible
- After deductibles are met, the plan covers 100% of remaining TRICARE-approved expenses, up to the annual Catastrophic Cap.
Important Notes:
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Not a Medicare Supplement Plan
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Coverage and benefits vary by state and are governed by the official insurance certificate
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SelmanCo administers the plan and receives compensation for its services
What TRICARE Supplemental Covers
- TRICARE Select
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- Pays all copays and cost shares after deductible
- You pay: Only the deductible
- TRICARE Prime
- Covers 50% of the TRICARE Point-of-Service (POS) deductible, plus all eligible costs afterward
- You pay: 50% of POS deductible + full supplement deductible
- TRICARE Retired Reserves
- Pays all copays and cost shares after deductible
- You pay: Only the deductible
Additional Benefits:
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- Excess Benefits: Reimburses costs above TRICARE’s allowable limits (where legally permitted)
- Pharmacy Coverage: Reimburses TRICARE copays and cost shares after the deductible, up to the Catastrophic Cap