OBJECTIVE: This article provides information about Supplemental Medical Insurance offered through MetLife for Help at Home employees and their covered dependents.
Help at Home offers Supplemental Medical Insurance through MetLife to complement your medical coverage. These voluntary plans—Accident Insurance, Critical Illness, and Hospital Indemnity—offer financial protection by helping you pay for certain expenses (through a cash payment made directly to you), such as deductibles, prescription medicines, and other related costs that may not be covered by your medical plan. For example, you can use your payment on transportation to doctors’ appointments, additional childcare, and so much more. You have total flexibility to spend the money on anything you need.
Accident Insurance provides a cash payment if you have a covered accident outside of work that requires medical care (such as a dislocation or fracture, or an ER or urgent care visit). This policy pays benefits directly to you for each covered occurrence. You can use this money to cover the cost of accident-related emergency room visits, hospitalization, doctor's visits and physical therapy, as an example. There are 2 options to choose from, the high plan and the low plan. Benefits vary, please review the options when enrolling in this plan.
- Help at Home Accident Insurance Summary (See Below)
- Accident Insurance (English): Click here!
- Accident Insurance (Spanish): Click here!
Critical Illness provides a cash payment if you are diagnosed with a covered condition, such as cancer, heart attack, stroke, or kidney failure. If a serious illness occurs, this coverage provides you with a lump-sum payment. You have the option to choose between a $10,000, $20,000 or $30,000 policy. Spouse and dependent children as also covered at a percentage of the employee's coverage.
- Help at Home Critical Illness Plan Summary (See Below)
- Critical Illness (English): Click here!
- Critical Illness (Spanish): Click here!
Hospital Indemnity provides a cash payment if you have a planned or unplanned hospital stay (due to childbirth, illness, injury, etc.) or receive other hospital services. Since hospital visits can be costly, this lump sum of money provides coverage for those extra out-of-pocket expenses, beyond what your medical plan may cover.
- Help at Home Hospital Indemnity Plan Summary (See Below)
- Hospital Indemnity Coverage (English): Click here!
- Hospital Indemnity Coverage (Spanish): Click here!
For more information on Supplemental Medical Insurance or help thinking through your needs, you can always call an Aptia365 benefits counselor at 855-746-3198 or visit their website at Aptia365. Representatives are available from 6 a.m. to 8 p.m. CT, Monday through Friday, and multi-language representatives and TTY services are available. You can also view plan summaries on the site under “View Documents.”
In the event you need additional assistance or have a question about Supplemental Medical Insurance contact MetLife directly, by phone at 800-438-6388 or check out their site www.MetLife.com.
Source: Benefits Team