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Group supplemental health plans

The unexpected happens. And when it does, you can count on our supplemental health insurance plans. For over 30 years, we’ve been providing employees with the security of cash benefits for out-of-pocket expenses that medical plans don’t cover.

 

Looking for supplemental health plans for individuals and families?

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We’re here to help you find the right products for your business.

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Offer one plan, two plans or the trioAvailable standalone, or to complement any medical plan

As an employer, you have options. Your employees do, too. They can use these cash benefits to pay for copays and deductibles. Even mortgage payments, utility bills and day care. They also get exclusive 20% savings on many CVS® brand health products.

  • Accident plans

    Cash benefits for services related to a covered injury. For instance, a broken ankle or wrist fracture.

     

    • Coverage on and off the job
    • Optional riders, including one for organized sports
    • Robust benefits offerings
  • Critical illness plans

    Cash benefits for costs related to a diagnosed major illness. Examples might be a heart attack or stroke.

     

    • Benefits for follow-up and recurring treatment
    • No benefits maximums
    • Optional benefits, including ones for infectious diseases (e.g., COVID-19 and H1N1)
  • Hospital indemnity plans

    Cash benefits to help manage expenses for a covered hospital stay. It can be planned for, or unexpected.

     

    • Robust inpatient benefits
    • Optional outpatient benefits
    • Optional riders, including ones for employer-designated facilities

A simple, seamless claims process

When the unexpected happens, your employees can rely on a simple claims process to get their cash benefits fast. Learn about the Aetna Simplified Claims Experience™.

 

  • Our easy file tool uses medical data to avoid extra paperwork. For claims submission in 90 seconds.
  • Our claims finder checks for other supplemental health benefits your members may be eligible for. Then, it automatically processes those claims. It even sends out targeted reminders based on medical data. (when available)
  • Members can view coverage and manage claims on our supplemental app, or portal. They can also sign up for direct deposit and chat with Member Services.

[ Birds chirping ]

 

Life is extraordinary.

 

But when the unexpected happens, it's important to be prepared.

 

That's why, for over 30 years, we've offered supplemental health benefits, like accident, critical illness, and hospital coverage, so your employees don't have to worry about those unexpected moments.

 

Our plans are designed from the ground up, so they're customizable to meet employers' needs and include features that make it easy for employees to get coverage.

 

And, since we're a medical carrier, we're able to offer a unique, streamlined member experience.

 

It's our simplified claims experience, and it's powered by Aetna Easy File and Aetna claims finder.

 

Members simply log in, answer a few questions, tap "submit," done in 90 seconds or less.

 

If we have the member's medical data, we'll match it to their supplemental health claim.

 

And we'll check for other benefits the member might be eligible for and automatically process any claims for them.

 

No paperwork. No hassles. That's it.

 

And we also remind members throughout the year to use their benefits so they can better manage their costs and protect their savings.

 

It's all part of our commitment to whole health -- physical, emotional, social, and financial -- and helping our millions of members live happier, healthier lives.

It’s better to bundlePair with other Aetna® products for an all-in-one experience

Why bundle our products? Streamlined claims. Lower premiums. Stronger savings. And that’s just the beginning. Explore our solutions for a healthy, engaged workforce. Because together we can make healthier happen.

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