Supplemental Health / Specified Disease

Be ready for the
unexpected.

High deductibles and other expenses can quickly add up when you’re diagnosed with a specified disease. Instead of being worried about bills, our specified disease coverage can help your employees feel assured that they’ll have money to cover living expenses, deductibles, and other out-of-pocket costs.

Financial protection against unexpected medical events

Life can change in a second. Specified diseases such as cancer, heart attack or stroke can lead to overwhelming hospital bills. But we can help your employees be financially prepared for the unexpected.

Our specified disease insurance plan can pay for costs not covered by traditional insurance. The money can also be used for non-medical costs related to the illness, such as transportation and child care.

735,000

Americans have heart attacks every year

Mason’s story: Specified Disease coverage in action

Because Mason also has an Empire medical plan, he gets a reminder that he has Empire Specified Disease coverage. He submits a claim form with records from his hospital stay. His Specified Disease plan pays him a $10,000 benefit, which he can use for any reason.
Two months later, his doctor recommends coronary artery bypass surgery, which he has the next week. After surgery, Mason files another claim and gets a $2,500 check from his Specified Disease plan.
Mason gets a lump-sum benefit of $10,000 for his heart attack. After his surgery, he gets another benefit of $2,500. Mason uses part of his $12,500 in benefits to pay for a health coach and gym membership.
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Connecting Benefits to Make it Easier for Members

Our Empire Whole Health Connection® program connects our medical plans with accident, specified disease and/or hospital indemnity protection. This means members with our medical plans are notified when they have an eligible claim.

The bottom line? Supplemental plans help members pay for unexpected care. And the process is as easy as possible for everyone.

Better for you.
Better for your employees.

With medical, dental, vision, and through our affiliate, life and disability benefits from Empire, your business has the convenience of one account team to partner with on all your Empire benefits. Your employees will appreciate having coordinated communications and education materials that make it easier to understand and use their Empire benefits.

Ready to take the next step?

Give us a call at 1-888-553-5422
or talk to your producer.