Voluntary Offering More
With Ease

Cash in hand when it’s needed most.

Voluntary dental, vision, life, disability and supplemental health plans offer a cost-saving solution to your employees that enriches their health and financial security. And gives your business an edge.

Voluntary Supplemental Health Plans

Cash in hand when it’s needed most. Accident, Critical Illness and Hospital Indemnity plans provide lump-sum benefits that members can use to help pay for unexpected medical costs or to ease the stress of daily living expenses.

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Connecting Benefits to Make it Easier for Members

Our Empire Whole Health Connection(r) program connects our medical plans with accident, critical illness and/or hospital indemnity protection. This means members with our medical plans will be notified when they have an eligible accident, critical illness or hospital indemnity claim, based on our medical plan data.

The bottom line? We’ll help members know when their supplemental plans kick in to help pay for unexpected care. And we’ll make the process as easy as possible for members and employers.

Areas We Cover

Covers specific medical services or events caused or contributed to by an accident, such as emergency room admission, surgeries or follow-up care.

Jennifer’s story

Jennifer falls from a ladder while painting her house. She lands on her arm and shoulder, suffering a broken wrist and a head injury. She’s taking by ambulance to the nearest emergency room. CT scans and X-rays confirm a concussion and a fractured wrist.

After being released from the ER, Jennifer follows up with her doctor once a month and starts a 6-week physical therapy treatment plan.

Jennifer gets benefits from her Accident plan $3,400
She uses them to hire a painter to paint her house and the rest for massage therapy $3,000
$400
These examples are provided to illustrate how Anthem Voluntary Supplemental Health Plans work. They aren’t a guarantee of benefits or payments. Actual benefits and payments are determined by the plan design and type of claim.

Covers specific medical services or events caused or contributed to by an accident, such as emergency room admission, surgeries or follow-up care.

Mason’s story

When Mason feels pain in his chest and shortness of breath, he calls 911. In the ER, he’s diagnosed with a heart attack.

Because he also has an Anthem medical plan, Mason gets a reminder that he has Anthem Critical Illness coverage. He submits a claim form with records from his hospital stay. His Critical Illness 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 Critical Illness plan.

Mason gets a lump-sum benefit for his heart attack $10,000
After his surgery, he gets another benefit $2,500
Mason uses part of his $12,500 in benefits to pay for a health coach and gym membership  

Covers specific medical services or events caused or contributed to by an accident, such as emergency room admission, surgeries or follow-up care.

Susan’s story

Susan has a normal, healthy pregnancy and delivery of her first child. But after her delivery, her doctor has concerns and Susan stays in the hospital for four days.

After returning home, she gets an auto-notification from Anthem reminding her she has Hospital Indemnity coverage and guiding her on how to file a claim.

Susan gets a lump-sum benefit for her hospital stay $1,600
She uses it to open a savings account for her new baby

Voluntary Benefits are a Win/Win Proposition

  • You win by offering your employees a wide range of valuable benefit options –at no added cost to your business.
  • You also win with our Enrollment Partnership Program (EPP) —waived participation requirements for life and disability plans.
  • Employees win by choosing the benefits they want, and at affordable group rates.

Savings Scenario: Lance

Plaza Design offered more benefits to its employees— at no cost to the business—with our voluntary benefits.
 

Savings Scenario: Joyce

COLEMAN'S reduced its overall health care premium costs by adding life insurance to their existing health insurance coverage.