To accompany your medical coverage, Hospital Admission Insurance, Critical Illness, and Accident Coverage complement your Health Savings Account (HSA) to help pay deductibles, co-insurance, out-of-pocket medical expenses, or replace lost earnings from being out of work.

 

Hospital Admission

Provides payment(s) for expenses that arise if you or an insured dependent are admitted to the hospital, including costs related to the birth of a child.

Carrier: Transamerica | View printable summary

Eligibility: Teammates with 16 or more standard hours per week

Enrollment: Teammates may enroll when newly eligible, during the annual Open Enrollment period or due to a qualifying life event

Cancellation: Teammates may cancel their policy at any time

Policy Highlights:

  • No waiting period
  • No lifetime maximum
  • $1,500 one-time payment for hospitalization (once per year)
  • $100 each day an insured person is admitted to a hospital (but not an emergency room, outpatient stay or stay in an observation unit) as a result of a covered accident or sickness (maximum benefit of 31 days per event)
  • $200 each day an insured person is admitted to an intensive care unit as the result of a covered accident or sickness. (Pays on top of the $100  daily benefit, maximum benefit of 10 days per calendar year)
  • Insurance is portable. You can take the benefit with you if your eligibility or employment ends

Critical Illness

Provides a lump sum directly to you if you are diagnosed with a covered illness.

Carrier: Transamerica | View printable summary

Eligibility: Teammates with 16 or more standard hours per week

Enrollment: Teammates may enroll when newly eligible, during the annual Open Enrollment period or due to a qualifying life event*

Cancellation: Teammates may cancel their policy at any time

Examples of Covered Illnesses:

  • Heart attack   
  • Stroke                    
  • Alzheimer’s disease
  • Loss of sight, speech, or hearing
  • Cancer
  • End stage renal failure                   

Policy Highlights:

  • No waiting period
  • No lifetime maximum
  • Benefits payable for each covered critical illness
  • Individual and family options available
  • Guaranteed Issue, no Evidence of Insurability  is required to qualify for insurance
  • Insurance is portable; you can take the benefit with you if your eligibility or employment ends

Annual Wellness Benefit:

  • This benefit can help pay the costs for a screening for early signs of disease and lead to earlier intervention.   The annual benefit is $100 for completing an eligible   health test and is available to each insured person.   Some examples are: biopsy, chest X-ray,   stress test and fasting blood glucose test

*Critical Illness rates are based on age, tobacco usage and elected amount


Accident

Provides a benefit for injuries and accident- related expenses.

Carrier: Transamerica | View printable summary

Eligibility: Teammates with 16 or more standard hours per week 

Enrollment: Teammates may enroll when newly eligible, during the annual Open Enrollment period or due to a qualifying life event

Cancellation: Teammates may cancel their policy at any time

Examples of Covered Injuries from Accidents:

  • Fractures
  • Concussions
  • Dislocations
  • Lacerations
  • Burns

Policy Highlights:

  • No waiting period
  • Individual and family options available
  • Guaranteed Issue, no Evidence of Insurability  is required to qualify for insurance
  • Insurance is portable; you can take the benefit  with you if your eligibility or employment ends

Annual Wellness Benefit:

  • You may receive a maximum of $50 for teammate and insured spouse screening during a routine preventive care appointment with your doctor.  Covered health screening tests include: mammography, colonoscopy, PAP smear, chest X-ray, bone marrow testing, fasting, blood glucose test, and blood test for triglycerides

Notice Regarding Additional Benefits Programs

  • If you have questions, need to file a claim or cancel your policy, contact 704-631-0263.
  • Please note that the above Information is intended to provide explanation of benefit plans. For advice regarding your personal healthcare and financial matters, you may want to consult a healthcare provider, Medicare consultant, tax professional or financial advisor.
  • This page contains only highlights of benefits for eligible teammates and is subject to review and modification. Every effort has been made to report information accurately, but the possibility of error exists. In addition, not every health plan detail of every benefit that may matter to you could be included in this guide. The Carolinas HealthCare System program is governed by the official plan documents. In case of any conflict between this guide and an official plan document, the plan document will be the final authority.
  • Please refer to your plan documents or Summary Plan Descriptions for a full explanation of covered services, exclusions and limitations. If there is a discrepancy between this guide and legal plan documents, the plan documents will control information about all of the benefits available.