We know life doesn’t always go as expected, which is why Danone provides you with access to a variety of optional additional benefits designed to protect you and your family from the financial impact of a critical illness, injury, or hospital stay. Remember, the supplemental health plan options are a separate election from your medical plan choice. Learn more about our supplemental health benefits options.
About Supplemental Health Benefits
Supplemental health benefit plans are designed to offer you additional financial support when you incur out-of-pocket costs in your medical plan. The coverage is not a replacement for medical insurance.
The supplemental health plan options are a separate election from your medical plan choice, and you’ll need to file a claim with Reliance Standard Insurance to receive your benefit.
Review the chart below to understand the supplemental health plan choices available to you.
Why Consider Enrolling in a Supplemental Health Plan?
When you think about your health coverage options, you may wonder, “Why would I need supplemental health coverage when I have a medical plan?”
Life is Unpredictable
The supplemental health plan options can offer additional peace of mind by ensuring you have coverage in place that’s going to provide the most protection to your finances and allow you to focus on recovering from your condition, rather than managing financial difficulties.
Keep in mind that the Cigna High Deductible Health Plan (HDHP) Savings and HDHP Plus have higher deductibles than the Cigna Choice PPO plan. The supplemental health plans could help to cover the out-of-pocket costs you may incur before the plan begins to pay for benefits. Plus, if you plan to save your HSA for future expenses, enrolling in a supplemental health plan could help you preserve your funds.
Think about the following when you’re deciding which supplemental health plan may be best for your individual needs.
Unexpected Healthcare Expenses
In the event of a major illness, accident, or an unplanned hospital stay, all three supplemental health plan options provide lump-sum benefits to cover:
- Deductibles and coinsurance before the plan begins to pay for the full cost of care.
- Other care you may be responsible for, such as “balance billing” if an out-of-network provider is used.Everyday Expenses
The supplemental health plan benefits you receive can also be used to pay for non-healthcare expenses while you’re recovering from your condition, including:
- Car payments
- Childcare
- Groceries
- Rent or mortgage
1 Benefit amount is dependent on the location of fracture or dislocation, and the type of fracture (open or closed); chip fractures and partial dislocations pay a percentage of the benefit for the bone(s) involved.
2 Covered benefit amounts are dependent on employee election amount. Coverage is dependent on several factors, including but not limited to the diagnosis of the condition and the first occurrence or reoccurrence of the condition.
