Supplemental Medical Insurance

Supplemental Medical Insurance

Overview

Supplemental medical options provide cash payments in the event of a significant medical expense. You pay the full cost of coverage through after-tax payroll deductions. Be sure to consider your anticipated medical needs for the coming year — for example, a major surgery — when deciding if supplemental coverage is right for you.

It’s important to note that you can only enroll in supplemental medical coverage during the Open Enrollment period, as a New Hire or if you experience a qualifying life event. However, you will be able to cancel your coverage anytime. You will not be required to provide evidence of insurability when you enroll in coverage. You do not need to be enrolled in a Pearson medical plan to enroll in supplemental medical coverage.

For complete cost and coverage details, visit the Pearson Benefits Marketplace website.

Note: You can continue your supplemental medical coverage if you leave Pearson.

 

Pearson offers three different types of supplemental medical plans. You can choose any combination of the following:

Accident Insurance

Accident Insurance through Aflac helps protect you from unexpected financial stress if you or a covered family member has an accident. It supplements your primary medical plan by providing cash benefits in cases of accidental injuries. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).

Benefits are paid:

  • Directly to you, unless assigned to someone else
  • In addition to any other coverage, like your primary medical plan or an Accidental Death & Dismemberment (AD&D) plan

You receive a cash benefit up to a specific amount for:

  • Dislocation or fracture
  • Initial hospital confinement
  • Intensive care
  • Ambulance
  • Medical expenses
  • Outpatient physician’s treatment

The actual benefit amounts depend on the type of injuries you have and the medical services you need.

Critical Illness Insurance

When a serious illness strikes, critical illness insurance through Aflac can provide financial support to help you through a difficult time. It protects against the financial impact of certain illnesses, such as a heart attack, cancer, or stroke.

You receive a lump-sum benefit to cover out-of-pocket expenses for your treatment, to pay your coinsurance, or to take care of your everyday living expenses such as housekeeping services, special transportation services, and child care.

Choose from two benefit coverage options for yourself:

  • $15,000
  • $30,000

Choose from two benefit coverage options for your eligible dependents:

  • $7,500
  • $15,000

Benefits are paid:

  • Directly to you, unless assigned to someone else

Hospital Indemnity Insurance

A trip to the hospital can be stressful, and so can the bills. Even with a major medical plan, you may still be responsible for copays, deductibles, and other out-of-pocket costs. Offered through Aflac, the hospital indemnity plan can help offset your share of the cost associated with a covered sickness or accident.

Use this money to help cover hospital stays, ambulance service, surgery, and certain inpatient or outpatient treatments. The plan pays benefits in addition to any other insurance.

Benefits are paid:

  • Directly to you, unless assigned to someone else
  • As a lump sum or on a benefit schedule