A little extra financial protection.

Accident, critical illness, and hospital indemnity coverage pay specified cash benefits for covered events. These benefits supplement comprehensive medical coverage.

Accident protection.

Choose from two options that pay scheduled cash benefits for covered accidents.

Covered service	Option A	Option B
Emergency room treatment	$150	$200
Physician / telemedicine / urgent care	$75	$100
Hospital admission	$1,000	$1,500
Hospital confinement	$200 per day	$300 per day
Wellness benefit	$50	$50

Hospital confinement starts on day 2 and is limited to 365 days per accident. Initial treatment and admission limits apply; wellness is payable for one covered test per calendar year per covered insured.

Accident employee contributions.

Per benefit deduction · 24 deductions per year. Biweekly payroll; no insurance premium is deducted from the third paycheck in a three-paycheck month.

Coverage tier	Option A	Option B
Employee only	$2.62	$3.80
Employee & spouse	$5.18	$7.47
Employee & children	$6.24	$8.97
Employee, spouse & children	$8.80	$12.63

Rates are per benefit deduction and include the wellness benefit.

Critical illness protection.

Choose employee coverage of $10,000, $20,000, $30,000 or $40,000. Covered conditions pay a specified percentage of the insured amount; payments vary by condition. A $50 annual wellness benefit is included for a covered test, subject to plan terms.

Critical illness elections and costs.

Employee: $10,000–$40,000. Spouse: $5,000–$40,000, up to 100% of employee coverage. Children: 50% of employee coverage. A $50 annual wellness benefit is included, subject to plan terms.

View critical illness age-based rates

Per benefit deduction · 24 deductions per year, per $10,000 coverage. Spouse rates use the employee’s age.

Critical illness rates per $10,000
Employee age	Employee or spouse rate
Under 25	$1.15
25–29	$1.45
30–34	$1.85
35–39	$2.55
40–44	$3.75
45–49	$5.90
50–54	$9.15
55–59	$12.75
60–64	$19.60
65–69	$24.60
70–74	$33.63

Child coverage: $0.50 per benefit deduction for each $5,000 of coverage. Contact the ERC for rates at age 75 or older.

Hospital indemnity.

Fixed cash benefits for covered hospital events. This is fixed indemnity coverage, not comprehensive health insurance.

Covered event	Benefit amount
Hospital admission	$1,000; up to 3 times per year
ICU admission	$2,000; up to 3 times per year
Hospital confinement	$150 per day; up to 364 days, starting the day after admission
ICU confinement	$300 per day; up to 30 days, starting the day after admission
Observation over 20 hours	$500; once per year
Newborn nursery confinement	$150 per day; up to 2 days per newborn
Wellness benefit	$50 for a covered test; annual limits apply

Coverage limits, exclusions and eligibility rules apply.

Hospital indemnity employee contributions.

Per benefit deduction · 24 deductions per year. Biweekly payroll; no insurance premium is deducted from the third paycheck in a three-paycheck month.

Coverage tier	Per benefit deduction
Employee only	$6.06
Employee & spouse	$12.60
Employee & children	$11.67
Employee, spouse & children	$19.45

Rates are per benefit deduction and include the wellness benefit.

Coverage is subject to the official plan documents, which govern in the event of a difference.

HIGGINBOTHAM EMPLOYEE RESPONSE CENTER

Benefits questions? Start with the ERC.

Contact the Higginbotham Employee Response Center for benefits information, enrollment help, eligibility questions, and claims or billing questions.

CALL OR TEXT THE ERC866-890-6763

Call the ERC Text the ERC Email the ERC

MomentiveSoftware@eb.higginbotham.net

Monday–Friday, 6:00 a.m.–5:00 p.m. EST

Messages left after 2:00 p.m. ET will be returned the next business day.

Bilingual representatives are available.

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