Supplemental insurance plans

Like a good mouthpiece, these plans protect you against unexpected hits. Contributions for these plans are staying the same as last year – the same as they’ve been since 2001. You can enroll in these plans during open enrollment.

Hospital-indemnity plan
The hospital-indemnity plan pays a daily cash benefit while you or a covered dependent are hospitalized. The money is paid to the employee and may be used for expenses, even if they are not medical expenses. These payments are in addition to your city medical plan.

Pre-existing conditions are not covered for an injury or sickness that required medical advice or attention during the 12-month period before the effective date of coverage.

Accident/disability plan
The accident/disability plan provides a benefit if you or a covered dependent are injured or becomes disabled due to an accident covered by the plan. The plan will pay a scheduled benefit on or off the job for the following events:

• Emergency room use and care
• Hospital confinement
• Disability income for off-the-job accidents – employee only
• Accidental death
• Follow-up visits to the doctor

When a covered accident occurs, benefits begin the first day treatment is administered by a doctor or hospital. These benefit payments are in addition to benefits paid by your city medical plan.

Personal cancer protection plan
The personal cancer protection plan provides supplemental insurance for you or a covered dependent diagnosed with cancer. Benefits are paid directly to you.

You may use this benefit to pay for medical, travel or other expenses including, but not limited to, the following:

• House or apartment payment
• Utilities
• Car payments
• Copayments and deductibles
• Necessary household help
• Parking
• Child care
• Special equipment
• Gasoline
• Food and lodging

Rates and additional information
For more information on these supplemental insurance plans, including rates, contact your department human resources liaison or an AFLAC representative, 281-440-1133 or 281-440-3465.

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