Overview
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.
Flexibility
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.
2025 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.
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.