Click here to see information about 2024 benefits
Click here to see information about 2024 benefits
Why: | This insurance provides a lump sum cash payment upon diagnosis of a covered illness. Watch this informative video to see why critical illness insurance can help you. |
Who: | Benefits-eligible employees. |
When: | Purchase only during annual benefits enrollment (and when newly hired, newly eligible for benefits or have experienced a qualifying life event). |
Critical illness insurance can be purchased to help with costs not covered by health insurance. The lump-sum payment may be used for out-of-pocket and living expenses.
If you or a family member gets sick, it can be emotionally and financially challenging. While medical insurance may cover most medical expenses during a serious illness, critical illness insurance helps pay for costs not covered by your healthcare insurance, like deductibles, rent, groceries and child care.
You can choose to buy this optional insurance only during the benefits enrollment period or if you have a qualifying life event. To find the coverages available and your cost, see The Hartford’s Benefit Highlights (PDF). The premiums will be determined by several things including demographics and the amount of coverage. Your premium will be displayed during the benefits enrollment process.
Those who purchase this benefit will receive a $75 cash payment for receiving certain health screenings (once a year per covered person). You can obtain a health screening through your provider.
Eligible Health Screenings² | ||
Abdominal aortic aneurysm ultrasound | Cervical cancer screening | Lipid panel |
Aneurysm ultrasound | Chest X-ray | Mammography³ |
Blood test for triglycerides | Colonoscopy | Pap smear |
Bone marrow testing | COVID-19 testing | PAD ultrasound |
Bone density screening | CT angiography | PSA (blood test for prostate cancer) |
Breast ultrasound | Double contrast barium enema | Serum cholesterol test to determine HDL and LDL levels |
CA 15-3 (blood test for breast cancer) | ECG/EKG | SPEP (blood test for myeloma) |
CA 125 (blood test for ovarian cancer) | Fasting blood glucose test | Stress test (on a bicycle or treadmill) |
Carotid ultrasound | Flexible sigmoidoscopy | Thermography |
CEA (blood test for colon cancer) | Hemoccult stool analysis | |
Other critical illness and cancer screening tests that are not listed here but are within generally accepted standards of medical care may also be eligible. Coverage availability varies by state. Not all tests are available in all states. | ||
File a claim for coverage after you or a covered dependent receives a diagnosis from your provider due to a covered illness or if you are submitting a claim for your health screening.
Call 866-547-4205.