Supplemental Medical
Supplemental Medical Plans pay a fixed, one-time benefit amount which you can use for any purpose you like. It can help pay for expenses not covered by your healthcare plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home healthcare costs, or any of your regular household expenses.
What’s great about these plans are that they complement your existing healthcare coverage, filling in the gaps and offering financial support where it’s needed most. The best part? It’s entirely up to you. These plans are 100% voluntary, allowing you to choose the coverage that fits your lifestyle and priorities. It’s insurance that puts you in control, providing peace of mind when life takes unexpected turns.
Accident Insurance
On his way to work, John was in a car accident.
- He was transported by ground ambulance to the emergency room and admitted to the hospital.
- He had a dislocated hip and spent five days in the hospital.
- He had several physical therapy sessions before returning to work.
- John submitted his accident claim and received $5,850 from his accident insurance coverage.
- He used it towards his deductible, copay, and supplemental income for his missed workdays.
Sample Reimbursements
Ground Ambulance: $300
Emergency Room: $150
X-Ray: $50
MRI: $150
Hospital Stay – Admission + 5 days: $2,000
Dislocated Hip: $3,000
Appliances: $100
Physical Therapy (4 sessions): $400
Total Benefit Paid: $5,850
What Accident Insurance Covers
- Emergency Room Visits
- Hospital Stays
- Fractures and Dislocations
- Medical Exams – including major diagnostic exams
- Physical Therapy
- Transportation and Lodging – if you are away from home when the accident happens
Critical Illness
Tom suffered a relatively small stroke.
- He was hospitalized for five days.
- He began rehab to get back to where he was physically before the stroke.
- Tom submitted his claim and received a lump-sum payment of $10,000.
Sample Reimbursements
Employee and Spouse: $5,000 – $30,000 in $5,000 increments
Children: $1,000 – $15,000
What Critical Illness Insurance Covers
- Heart Attack
- Multiple Sclerosis
- Stroke
- Alzheimer’s Disease
- Parkinson’s Disease
- Major Organ Failure
Long-Term Care Plan
The Symphony offers you the opportunity to purchase Long Term Care (LTC) coverage through Unum for yourself and your eligible family members when you are a new hire. The plan pays benefits when you are unable to perform (without substantial assistance from another individual), two of six “Activities of Daily Living” or experience severe cognitive impairment for an expected period of at least 90 days. Enrolling for Long Term Care benefits after your initial eligibility as a new hire requires full medical underwriting.
Coverage Option
Nursing Facility Monthly Amount
$2,000 to $8,000 in $1,000 increments
Residential Care Facility
75% of nursing facility monthly benefit
Home & Community Based Care
75% of nursing facility monthly benefit
Elimination Period, Once Per Lifetime
90 consecutive days
Facility Benefit Duration
3 years, 6 years or unlimited
Lifetime Maximum
Varies based on selected benefit and duration
Home, Community-Based and Immediate Family Member Care
Covers services regardless of who provides the care, including family or friends
Inflation Protection
5% compounded annually