Supplemental Insurance

There are no changes in these plans. In fact, the rates are locked in for an additional two years. That’s right – no rate increase from 2001 to 2009. You may enroll in any or all of these three plans.

Supplemental insurance applies to active employees only.

Hospital Indemnity Plan
Accident/Disability Plan
Personal Cancer Protector Plan
Rates and Additional Information

Hospital Indemnity Plan

This plan pays a daily cash benefit while you or a covered dependent is hospitalized. The money is paid to the employee and may be used for all expenses, even if they are not medical expenses. These payments are in addition to your city medical plan.

Under this plan, pre-existing conditions are not covered for an injury or sickness that required medical advice or attention during the 12-month period before the effective date of coverage.

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Accident/Disability Plan

This plan provides a benefit if you or a covered dependent is injured or becomes disabled according to plan guidelines. The plan will pay a scheduled benefit on or off the job for for:

  • emergency room use and care
  • hospital confinement
  • disability income for off-the-job accidents -employee only
  • accidental death
  • follow-up visits to the doctor

When a covered accident occurs, benefits begin the first day treatment is rendered by a doctor or hospital. These benefit payments are also in addition to benefits paid by your city medical plan.

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Personal Cancer Protector Plan

This plan provides supplemental insurance for you or a covered dependent diagnosed with cancer. Benefits are paid directly to you, not to a doctor or hospital.

You may use this benefit to pay for medical, travel and other expenses including, but not limited to:

  • house or apartment payment
  • parking
  • utilities
  • child care
  • car payments
  • special equipment
  • copayments and deductibles
  • gasoline
  • necessary household help
  • food and lodging

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Rates and Additional Information

The rates for each plan are shown in the packet of information you will receive from your department human resources liaison. Benefits under the supplemental insurance plans will be effective May 1, 2007.

If you would like more information about the supplemental insurance plans, contact your department human resources liaison, or an AFLAC representative at (281) 440-1133 or (281) 440-3465.

 

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