Supplemental Medical

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Even with comprehensive coverage from your medical plan, you may still have out-of-pocket expenses if you get critically ill, are seriously injured, or need to be hospitalized. Supplemental medical insurance offers additional financial protection.


While your primary medical coverage pays doctors and hospitals directly for costs related to your care, supplemental medical plans pay cash benefits directly to you — you can use this money however you want.

Key features

Supplemental medical plans provide:

Cash benefits

to help you pay expenses not covered by your primary medical coverage.


to spend your benefit payment(s) on anything, including medical bills, transportation costs, child care fees, and daily living expenses.

Financial protection

against high costs related to accidental injuries, a serious illness, or a hospital stay.

2024 supplemental medical plans

You can enroll in one or more of the following plans as a new hire, during Open Enrollment, or if you have a qualifying life event.

Accident Insurance

Accident insurance protects you from unexpected financial stress if you or a covered family member experiences injuries from accident.

Critical Illness Insurance

Critical illness insurance provides financial support to help you manage expenses related to serious health diagnosis.

Keep in mind

Supplemental medical plans only add to coverage provided by your primary medical plan. They don’t cover your day-to-day health care needs.

How much does supplemental medical coverage cost?

Supplemental medical coverage is relatively inexpensive. These plans often work well in combination with a CDHP, giving you some added peace of mind at a low cost. The amount you pay will depend on which plan(s) you choose and whether you cover just yourself or family members, too. In addition, critical illness insurance rates vary by age, tobacco use, and the benefit level you select.

You pay the full cost of coverage through post-tax paycheck deductions. To see your premiums and enroll, log in to Oracle Self Service

Accident Insurance

Accident insurance pays cash benefits to help cover the cost of treatment for covered accidental injuries. You can use this money to pay medical bills or anything else.

Accident insurance benefits

In the event of a covered accident, benefits are paid for initial treatment, follow-up care, hospitalizations, fractures and dislocations, and more. For example:

Type of Treatment or Injury Benefit Payment
Ambulance (Ground) $400
Emergency room $200
X-ray $50
Fractured leg $1,350
Second degree burn $500
Hospitalization Non-ICU: $1,500 admission + $100/day ICU: $1,500 admission + $200/day
Inpatient surgery $1,500
Follow-up doctor’s office visit $50

Actual benefit amounts depend on the type of injuries you have and the medical services you need. Please refer to the Documents page for detailed information about this benefit and for instructions on how to file a claim.

Critical Illness Insurance

Critical illness insurance protects against the financial impact of certain health conditions, such as a heart attack, cancer, or stroke. If you’re diagnosed with a covered illness, you receive a lump-sum benefit payment that you can use however you want.

Critical illness insurance benefits

You can choose a coverage option that pays a maximum benefit per diagnosis of:

  • $20,000

Note: Your spouse and covered children can be covered at 50% of your benefit amount. When you are approved for and enroll in coverage, your children will automatically be enrolled in coverage. You may choose to apply for coverage for your spouse.

Benefits are paid upon diagnosis of a covered illness or condition and may be paid more than once if the illness recurs or if a different diagnosis is made. Examples include:

Illness or Condition Percentage of Benefit Amount
Heart attack 100%
Coronary artery condition requiring bypass surgery 50%
Invasive cancer 100%
Major organ failure 100%
Stroke 100%
Skin cancer $500
Cystic fibrosis 100%
Cerebral palsy 100%

Please refer to the Documents page for detailed information about this benefit and for instructions on how to file a claim.