20 Supplemental Medical Voluntary benefits through Unum complement your medical coverage and can fill in coverage gaps by providing additional financial protection with premiums paid through the convenience of payroll deduction. Two important notes: * These voluntary plans should not be used in place of medical coverage. * Your basic life insurance beneficiary designation will apply if you participate in voluntary benefits. Hospital Insurance A hospital stay or medical procedure can cost thousands of dollars. You can use this coverage to help pay for the out-of-pocket expenses medical insurance doesn’t cover, such as co-insurance, co-pays and deductibles. You can get coverage for yourself and your family members. Accident Insurance If you are accidentally injured, this coverage can pay you money for more than 50 types of injuries, services and treatments. You can use this benefit to help cover expenses your health insurance doesn’t, like co-pays and deductibles. You can get coverage for yourself and your family members. Critical Illness Insurance Severe illnesses often have out-of-pocket expenses that medical insurance doesn’t cover. This coverage pays you a lump sum if you are diagnosed with a covered condition. It can help you worry less about expenses so you can focus on your recovery. You can get coverage for yourself and your family members. $50 Be Well Benefit The Unum Critical Illness Insurance plan pays a wellness benefit of $50 when you and other covered family members receive important tests and screenings. You can learn more about the annual Unum Be Well benefit at www.ensignbenefits.com/ health-wellness/voluntary-critical-illness.
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