Voluntary Insurance Options Through CIGNA
Windstream has partnered with CIGNA to offer you supplemental medical insurance to help protect you from some expenses, which may not be covered by your primary medical plan. Your supplemental medical options will include the addition of hospital indemnity insurance.
Supplemental medical plans help protect you from certain expenses, which may not be covered by your primary medical plan. You pay the full cost of coverage through after-tax payroll deductions. Be sure to consider your anticipated medical needs for the coming year – for example, a major surgery – when deciding if supplemental coverage is right for you.
Hospital indemnity insurance provides cash payments for hospital stays (due to childbirth, sickness, injury, etc.) that you can use to cover expenses that your medical plan does not cover, such as deductibles, coinsurance and other out-of-pocket costs.
Accident insurance provides cash benefits in cases of eligible accidental injuries to help pay for uncovered medical expenses, such as your deductible or coinsurance, or for ongoing living expenses.
Critical illness insurance protects against the financial impact of certain illnesses, such as a heart attack or cancer. You receive a lump-sum benefit, which can be used to pay for your treatment costs or for everyday living expenses like housekeeping services, special transportation services and day care.
Keep in mind: Supplemental medical plans are intended to work with a primary medical plan. They do not provide medical coverage and do not, on their own, meet health care reform requirements.