Overview

Accidental injuries, serious illnesses and hospitalizations can happen unexpectedly. And when they do, they may have a significant financial impact on your family, even with comprehensive medical coverage. This is where supplemental health benefits can help.

How Do Supplemental Health Benefits Work?

While your medical coverage pays doctors and hospitals directly for costs related to your care, supplemental health benefits pay cash benefits directly to you — you can use this money however you want. For example, you may choose to spend it on:

  • Any expenses not paid by your medical plan, such as a deductible, coinsurance or copays
  • Medication or pharmacy supplies
  • Services that will make your diagnosis and treatment less stressful, including transportation assistance, childcare or housekeeping help
  • Things that will make your life easier or more enjoyable, such as a new appliance, a weekend getaway or a pet
  • Everyday living expenses, including mortgage, rent, utility bills, car payments and more

You don’t need to account for how the money is spent — it’s your decision!

Who Can Enroll?

These benefits are available to you regardless of your medical coverage — you can choose supplemental health benefits whether you have a Citi medical plan through Aetna, Anthem, an HMO — or even if you have no Citi medical coverage at all.

Extra financial protection—in case you need it

Citi offers all U.S. employees three separate supplemental health benefit options. You can enroll in one, two or all three of the following options:

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Accident

Accident insurance pays cash benefits if you or a covered family member has an accident and needs treatment for injuries after the plan takes effect. This option also pays an additional benefit if the injury occurs while participating in an organized sporting event.

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Critical Illness

Critical illness insurance provides a cash benefit payment if you or a covered family member is diagnosed with a covered illness or condition (such as a heart attack, stroke or cancer) after the plan takes effect. You can choose from two coverage levels.

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Hospital Indemnity

Hospital indemnity insurance pays cash benefits to help offset costs associated with an expected or unexpected covered inpatient hospital stay after the plan takes effect. You receive lump-sum payments for your initial hospital admission, plus daily benefits throughout your hospitalization (up to annual plan limits).

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Key Features at a Glance

Aetna’s supplemental health benefits provide:

  • Relatively low-cost coverage (as little as $2 a paycheck in some cases) that provides significant financial protection against the high costs often associated with accidental injuries, a serious illness or a hospital stay.
  • Fast, easy online claim submission through the Aetna Simplified Claims Experience ™.
  • Cash benefits that are paid directly to you and are independent from your primary medical coverage.
  • Flexibility to spend your benefit payment on whatever costs you’re facing, including medical bills, transportation costs, car repairs, child care fees and daily living expenses.
  • Access to Aetna Discount Programs, including blood pressure monitors, weight-loss programs and meal plans, books and magazine subscriptions, gym memberships, health and wellness products, hearing and dental products, eye care and more.
Keep in Mind
  • On their own, supplemental health plan options don’t provide medical coverage for day-to-day health care needs. Rather, they’re intended to supplement the coverage provided by your primary medical plan
  • These plans can be paired with any medical coverage — whether it’s Aetna, Anthem, an HMO, or coverage you have outside of Citi.
  • You pay for supplemental health insurance through after-tax paycheck deductions.
 

Accident Insurance

Accident insurance pays cash benefits when you or a covered family member get treatment for a covered accidental injury. You can use this money to help pay for expenses not paid by your medical plan (such as your deductible, coinsurance or copays) 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 $300
Emergency room $200
X-ray $150
Fractured leg $3,750
Second degree burn $1,500
Hospitalization Non-ICU: $2,000 admission + $200/day
ICU: $4,000 admission + $400/day
Inpatient surgery $500
Follow-up doctor’s office visit $100
Is Accident Insurance Right for You?

To help you decide, think about these questions:

  • Do you or a family member play sports that could result in an injury?
  • How much of your doctor, hospital or ambulance bills does your medical plan cover?
  • Would you find it hard to pay your portion of the medical bills associated with an accident?

Accident insurance rates vary by who you cover (just yourself or family members).

 

Critical Illness Insurance

Critical illness coverage pays cash benefits when you or a covered family member are diagnosed with a covered illness or condition, such as a heart attack, cancer or stroke. The cash benefit payment you receive can be used to help cover expenses for your treatment that are not covered by your primary medical plan. You also can use the money to pay for any other expenses related to your illness or to help cover everyday bills.

Choose from Two Coverage Options that Pay a Maximum Benefit Per Diagnosis of:

  • $15,000 or
  • $30,000
Critical Illness Insurance Benefits

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%
Huntington’s disease 100%
Stroke 100%
HIV 25%
Pneumonia 25%
Coronavirus (must be hospitalized for 5 days or more) 100%
Lyme disease 25%
Is Critical Illness Insurance Right for You?

To help you decide, think about these questions:

  • Are you at risk of getting critically ill from an infectious disease like the coronavirus, Hepatitis or HIV?
  • Do you have a family history of cardiac issues, cancer or Alzheimer’s disease?
  • Would you find it hard to keep up with your financial responsibilities if you or a family member became seriously ill?

Critical illness insurance rates vary by age, tobacco use, the benefit level you select and if you cover just yourself or family members. If you buy coverage for yourself, you can cover your children at no additional cost. Note: Covered children receive 50% of your benefit amount

 

Hospital Indemnity Insurance

Hospital indemnity coverage provides cash payments to help offset your share of the costs associated with an expected or unexpected covered inpatient hospital stay. You receive lump-sum payments for your initial hospital admission, plus daily benefits throughout your hospitalization (up to annual plan limits). The plan also pays a daily benefit for inpatient rehabilitation, substance abuse and mental health stays.

Hospital Indemnity Benefits

Examples include:

Type of Hospitalization Benefit Payment
Hospital admission* $1,000
Hospital stay (per day) $250
ICU stay (per day) $500
Substance abuse stay (per day) $125
Rehabilitation unit stay (per day) $50
Mental health stay (per day) $100

*Up to four admissions per year, with at least 30 days between hospital stays. Daily benefits for each hospitalization are paid up to annual plan limits.

Is Hospital Indemnity Insurance Right for You?

To help you decide, think about these questions:

  • Are you planning a medically necessary surgery or expect to be hospitalized in the future?
  • Are you thinking of having a baby and may need a hospital stay to give birth?
  • Would you find it hard to pay for the hospital costs not paid by your primary medical plan (such as deductible, coinsurance or copays)?

Hospital Indemnity insurance rates vary by who you cover (just yourself or family members).

 

Submitting Claims

Submitting claims for your supplemental health benefits is designed to be easy, but you do need to file your own claim, separate from any medical plan claims — your doctor or medical plan will not submit a claim for you (even if you have medical coverage with Aetna).

To be eligible for supplemental health benefits, you must file a claim with Aetna within 90 days of your covered diagnosis, injury or hospitalization.

Through the Aetna Simplified Claims Experience, you can file a claim on the mobile app or member portal. Just provide answers to a few questions and you’re on your way to receiving cash benefit payments.

Learn More

For more information about these benefits, visit Aetna’s Supplemental Health Resource website. You can also call Aetna at 1 (800) 607-3366 to speak with a customer service representative.