Supplemental Medical
These voluntary MetLife plans pay a lump-sum, tax-free cash benefit directly to you. You can use the money however you choose: deductibles and copays, lost income, childcare, travel to treatment, or everyday bills.
They work alongside your medical plan to help fill the gaps. You pay the full cost through payroll deductions, and you can cover yourself and your family.
Questions or claims: MetLife at 877-638-2862 or mybenefits.metlife.com.
Accident Insurance
Molly fell off her bike on the way to school.
- She was taken by ambulance to the emergency room, where she had a CT scan.
- The doctor diagnosed a concussion and a broken tooth.
- She saw her doctor twice for follow-up care, and her dentist repaired the tooth with a crown.
- Her family received $1,700 from MetLife to help with costs like copays and deductibles.
Example Benefits Paid
Ground Ambulance: $400
Emergency Care: $200
Follow-Up Visits (2): $150
Medical Testing: $150
Concussion: $500
Broken Tooth (Crown): $300
Total Benefit Paid: $1,700
What Accident Insurance Covers
Pays a lump-sum benefit when you or a covered family member is injured in an accident. Amounts depend on the injury and treatment. Examples:
Injuries
Fractures or dislocations: $200–$10,000
Second- or third-degree burns: $100–$15,000
Concussion: $500
Lacerations: $75–$700
Broken tooth: $50–$300
Eye injury: $400
Treatment
Ambulance: $400 ground, $1,250 air
Emergency care: $100–$200
Follow-up visit: $75
Therapy, including physical therapy: $35
Medical testing: $150
Medical appliances: $75–$750
Surgical repair: $150–$1,500
Hospital
Admission: $1,250 (plus $1,250 for ICU)
Confinement: $200 per day, up to 30 days (plus $200 per day in ICU)
Inpatient rehabilitation: $200 per day, up to 15 days
Other
Dismemberment or functional loss: $1,000–$40,000
Paralysis: $10,000–$20,000
Health screening: $50 once per calendar year
Monthly Cost
Your monthly cost:
| Coverage | Monthly Cost |
|---|---|
| Employee Only | $4.78 |
| Employee and Spouse | $9.55 |
| Employee and Child(ren) | $11.27 |
| Employee and Family | $13.47 |
Critical Illness
Tom chose a $30,000 benefit and had a heart attack.
- MetLife paid him $30,000 when he was diagnosed.
- Two years later, kidney failure paid another $30,000.
- A second heart attack would pay $30,000 more.
Example Benefits Paid
Employee: $10,000, $20,000 or $30,000
Spouse, Children: 50%
What Critical Illness Insurance Covers
Pays a lump sum on the first diagnosis of a covered condition. Some conditions also pay a recurrence benefit if diagnosed again. You can receive up to 5 times your benefit amount in total.
| Covered Condition | Initial Benefit | Recurrence |
|---|---|---|
| Invasive cancer | 100% | 100% |
| Non-invasive cancer | 25% | 100% |
| Skin cancer | 5% | None |
| Heart attack | 100% | 100% |
| Stroke | 100% | 100% |
| Coronary artery bypass graft | 50% | 100% |
| Kidney failure | 100% | None |
| Major organ failure (heart, lung, liver) | 100% | None |
| Alzheimer’s disease | 100% | None |
Coverage is guaranteed if you are actively at work. Spouse and child coverage is 50% of your benefit amount. MetLife also pays a $50 health screening benefit once per calendar year.
Monthly Cost
Monthly cost per $1,000 of coverage, by your age:
| Age | Employee Only | Employee and Spouse | Employee and Child(ren) | Family |
|---|---|---|---|---|
| Under 25 | $0.25 | $0.44 | $0.41 | $0.60 |
| 25–34 | $0.31 | $0.52 | $0.46 | $0.68 |
| 35–44 | $0.53 | $0.86 | $0.69 | $1.02 |
| 45–54 | $0.97 | $1.52 | $1.13 | $1.68 |
| 55 and over | $1.84 | $2.79 | $2.00 | $2.95 |
Example: a $10,000 employee-only benefit at age 40 costs $5.30 per month.
Hospital Indemnity
Susan went to the hospital with chest pains.
- She was admitted to the ICU for two days.
- She spent two more days in a regular room.
- MetLife paid her $2,365 for the admission and her days in the hospital.
Example Benefits Paid
Total Benefit Paid: $2,365
What Hospital Indemnity Insurance Covers
Pays a fixed cash benefit when you or a covered family member is admitted to the hospital for a covered accident or illness.
Admission
$1,000, up to 4 times per calendar year (plus $1,000 when admitted to ICU)
Confinement
$100 per day, up to 365 days per year (plus $65 per day in ICU, up to 30 days)
Newborn Confinement
$100 per day, up to 2 days
This is a fixed indemnity policy, not health insurance. It pays a set amount regardless of your actual medical bill and does not replace comprehensive medical coverage.
Monthly Cost
Your monthly cost:
| Coverage | Monthly Cost |
|---|---|
| Employee Only | $9.24 |
| Employee and Spouse | $20.08 |
| Employee and Child(ren) | $14.69 |
| Employee and Family | $25.53 |