As a supplement to the protection that the medical and disability plans provide, you have the opportunity to enroll in supplemental medical benefits for additional coverage. In addition to the Voya Compass Hospital Confinement Indemnity Plan we began offering in 2018, we are partnering with Voya to offer two new voluntary benefits for 2019 - Critical Illness and Accident. These supplemental medical benefits will pay cash benefits for covered illnesses, hospital stays or injuries.
There are no health questions or physical exams required to purchase coverage. Pre-existing conditions are covered; however, for the Critical Illness plan, there must be at least 12 months between diagnoses before a benefit will be paid, as long as the new diagnosis is made on or after your first day of coverage under the plan.
Each plan pays a benefit, regardless of any benefits you receive from other insurance programs. The benefits will be paid directly to you, and you may use the money to pay for out-of-pocket medical expenses, transportation expenses, mortgage payments, tuition expenses, household expenses, hiring outside help, or however you like.
Please Note: If you are enrolled in the Hospital Confinement Indemnity plan as of 1/1/19 with Employee+Children or Employee+Family coverage and then deliver a baby during the calendar year, you will receive a benefit for each day the baby is hospitalized in addition to the benefit you will receive for your own hospitalization. However, if this baby is your first child and, therefore, you are only enrolled in Employee Only or Employee+Spouse coverage at the time of delivery, you will only be eligible to receive a benefit for your own hospitalization.
You do not have to be enrolled in the Maritz medical plan in order to be eligible for the Hospital Confinement, Accident, or Critical Illness plans.
Depending on the additional level of protection you would like, you can enroll in one, two, or all three of these supplemental medical options. If you enroll in more than one, it is possible to receive benefits from multiple plans for the same accident or illness. For example, if you enroll in the Accident and Hospital plans, then you could receive a benefit from both plans in addition to the benefits you would receive under your medical and/or disability plans, if you have an accident that requires inpatient hospitalization and is also an injury covered by the Accident plan. The same would apply if you are enrolled in the Critical Illness and Hospital plans in addition to your medical plan. If you have an illness that is covered under the Critical Illness plan which also requires inpatient hospitalization, you would receive benefits from both the Critical Illness and Hospital plans in addition to the benefits paid by your medical and/or disability plans.
For additional coverage details, click on the Voya website link below, where you will find links to Plan Highlights & Rates, Real Life Examples, FAQs, and short videos for each plan.
For more information about the Hospital Indemnity, Critical Illness and Accident Plans:
Visit Voya at https://presents.voya.com/EBRC/maritzholdingsinc to find videos and more information
Call the Hospital Indemnity Customer Care Center at 1-877-236-7564