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.
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:
You don’t need to account for how the money is spent — it’s your decision!
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.
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:
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.
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.
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).
Aetna’s supplemental health benefits provide:
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.
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 |
To help you decide, think about these questions:
Accident insurance rates vary by who you cover (just yourself or family members).
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:
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% |
To help you decide, think about these questions:
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 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.
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.
To help you decide, think about these questions:
Hospital Indemnity insurance rates vary by who you cover (just yourself or family members).
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.
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.
For more information about these benefits, visit Aetna’s Supplemental Health Resource website. You can also call Aetna at