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https://aptia365.com/horacemann 16 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.Supplemental health plans provide cash payments to help offset the cost of a covered medical event. These plans pay in addition to existing medical insurance benefits.MetLife Benefits and covered conditions vary by state. Review plan documents to verify covered benefits.Critical Illness InsuranceRecovering from a critical illness often brings significant expenses other than medical costs. Critical Illness insurance can help with the treatment costs of covered critical illnesses and complement your medical plan by helping topay out-of-pocket expenses.%u2022 Pays a lump-sum cash benefit directly to you if you are diagnosed with a covered critical illness%u2022 You can qualify for coverage without having to answer any health questions%u2022 Direct payment to you upon diagnosis of a covered condition%u2022 Examples of conditions that may be covered include: cancer, heart attack, stroke, major organ transplant and end-stage renal failure*%u2022 Some programs offer additional wellness incentivesAccident InsuranceAccident insurance can help you bounce back quicker by providing cash benefits if you experience a covered accident outside of work. %u2022 Examples of covered services include emergency room, hospitalization, doctor%u2019s visits and physical therapy*%u2022 Additional benefits available for certain injuries, such as dislocations, fractures, burns and lacerations*%u2022 Pays benefits for each covered occurrence directly to youHospital Indemnity A hospital stay can cause serious financial setbacks due to medical costs or loss of income. Hospital Indemnity insurance provides benefits to help pay hospital and other bills related to a covered illness or injury. %u2022 Benefits are provided for hospital admission and daily hospital confinement*%u2022 Collect a lump-sum benefit each day you are in the hospital**%u2022 No coinsurance, copays, waiting periods or deductibles * Not a guarantee of coverage**Limits applyA supplemental health policy is selectedBENEFIT EXAMPLESYou experience symptoms of a critical illness, are injuredin an accident or are admitted to a hospitalYou are treated by a physician or are admitted to a hospitalYou are diagnosed with a critical illness, treated for injuries or spend several days in the hospitalSubmit a claim and receive a cash benefit paid directly to youSupplemental Health Coverage