Spreetail offers additional supplemental plans
to enhance your financial security and
overall well-being.
Accident and hospital indemnity insurance plans offer crucial financial support beyond standard health insurance. Accident insurance provides coverage for unexpected injuries, covering medical expenses and offering cash benefits. Hospital indemnity insurance pays a fixed benefit for each day of hospitalization, helping to cover out-of-pocket costs and maintain financial stability during extended hospital stays.
Voluntary Accident Insurance
Accident insurance provides financial assistance following an accidental injury, covering costs like emergency treatments, hospital stays, and follow-up care.
Unexpected medical accidents can be traumatizing and costly, both physically and financially. Accident insurance is not meant to replace traditional health insurance, but can help buffer these costs by covering some expenses of emergency room copays, surgeries, hospitalizations and doctor’s office visits related to an accident. Simply submit your medical bills, then you can decide for yourself how to use the money. For particularly active families or those who may not have the savings set aside to cover an accident, this type of insurance is essential.
There are nearly 30 tests covered, including:
- Blood test for lipids including total cholesterol, LDL, HDL and triglycerides
- Breast ultrasound or mammography
- Chest x-ray
- Colonoscopy
- Dental exams
- Electrocardiogram (EKG)
- Echocardiogram (Echo)
- Immunizations (such as flu shots or the COVID-19 vaccination)
- Interscholastic sports physical exams
- Pap smear
- PSA (blood test for prostate cancer)
- Vision exams
Did you know your plan includes a Wellness Benefit?
The Wellness Benefit helps promote annual screenings. We encourage you to take advantage of it. The Wellness Benefit pays $50 cash once per covered person, per calendar year, and in addition to your other coverages.
Please see the attached plan summary for coverage information.
Voluntary Hospital Indemnity Insurance
Hospital Indemnity insurance plan pays a set benefit amount for each day you are hospitalized due to illness or injury. It helps cover out-of-pocket costs not included in regular health insurance, such as deductibles, copayments, and non-medical expenses, ensuring additional financial support during hospital stays.
When you elect Hospital Indemnity insurance, you receive a lump sum payment directly to you to help with the cost associated with a hospital admission or stay. You can use the cash payment for anything you like. There is no pregnancy waiting period!
The plan also has a $50 Wellness Benefit, which pays when you receive preventative care (i.e., annual physical, COVID vaccine, mammogram, etc.).
Disclaimer: This presentation provides a summary of the employee benefit programs offered by Spreetail. Should any discrepancies arise, please refer to the actual plan documents, which supersede this presentation. Once enrolled, you will receive a Combined Evidence of Coverage and Disclosure Form detailing the exclusions, limitations, and the full range of covered services of your plan.