Overview

As part of the Mercury benefits package, you have the opportunity to take advantage of additional programs that can help save you money and provide important assistance with everyday needs. Voluntary benefits include supplemental medical plans, legal plans, and pet insurance.

Key features at a glance

Supplemental medical plans provide:

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  • Cash benefits that you can use to pay expenses not covered by your primary medical coverage.
  • Flexibility to spend your benefit payment on whatever costs you’re facing, including medical bills, transportation costs, child care fees, and daily living expenses.
  • Financial protection against the high costs often associated with accidental injuries, a serious illness, or a hospital stay.
  • An inexpensive way to supplement a high-deductible health plan, giving you a cost-effective package of coverage that may minimize your overall medical expenses.
Keep in mind

On their own, supplemental medical plans don’t provide comprehensive medical coverage for your day-to-day health care needs. Rather, they’re intended to supplement the coverage provided by your primary medical plan.

Your Mercury voluntary benefits

 

Critical Illness Insurance

Critical illness coverage protects against the financial impact of certain illnesses, such as a heart attack, cancer, or stroke. If you experience a covered illness, you receive a lump-sum benefit payment to help cover out-of-pocket expenses for your treatment that are not covered by your medical plan. You also can use the money to take care of other expenses, such as housekeeping services, special transportation, and childcare.

You may choose from the following coverage options:

Coverage Level Coverage Amount
Team member $5,000; $10,000; $15,000; or $20,000
Spouse/domestic partner May be covered at up to 50% of your chosen benefit amount
Child(ren)* May be covered at up to 50% of your chosen benefit amount

Benefits are paid directly to you, up to twice per year, unless assigned to someone else.

For more information, visit Cigna or call 800-754-3207. You can enroll as a new hire or during Open Enrollment.

Evidence of Insurability (EOI)

If you enroll as a new hire or during Open Enrollment, you won’t be required to provide evidence of insurability (EOI, also known as proof of good health) for coverage up to the guaranteed issue amount. If you’d like to enroll or increase your current coverage amount outside your new hire enrollment window or Open Enrollment, you’ll be required to provide EOI. In the event of a critical illness, you can use this money in any way you choose.

 

Accident Insurance

Accident insurance supplements your primary medical plan by providing cash benefits in cases of covered accidental injuries. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).

You can receive a cash benefit for:

  • Initial care and emergency care benefits
  • Hospitalization
  • Dismemberment
  • Dislocation or fracture
  • Intensive care
  • Medical expenses
  • Outpatient physician’s treatment
  • Health Screen Test and Preventive Care Benefit

The actual benefit amounts depend on the type of injuries you have and the medical services you need. Benefits are paid directly to you, unless assigned to someone else.

For more information, visit Cigna or call 800-754-3207. You can enroll as a new hire or during Open Enrollment.

 

Hospital Indemnity Insurance

A hospital indemnity plan provides supplemental payments to help offset your share of the costs associated with a covered hospitalization and related services, such as ambulance transportation, surgery, and certain inpatient or outpatient treatments.

Choose from two benefit coverage options:

Plan 1 Plan 2
Hospital admission $1,000 per day $500 per day
Hospital chronic condition admission $50 per day $50 per day
Hospital stay $100 per day $100 per day
Hospital intensive care unit (ICU) stay $200 per day $200 per day
Hospital observation stay $100 per 24-hour or pro-rata period $100 per 24-hour or pro-rata period

Benefits are paid as a lump sum or on a benefit schedule directly to you, unless assigned to someone else. These benefits are in addition to any other insurance you have.

For more information, visit Cigna or call 800-754-3207. You can enroll as a new hire or during Open Enrollment.

Find out how hospital indemnity insurance can help you

Watch the video.
 

Legal Plan

The MetLife Legal Plan offers economical access to attorneys for legal services such as will preparation, estate planning, and family law.

  • Give yourself, your spouse, and your dependents access to a nationwide network of 14,000 attorneys.
  • Take advantage of telephone and office consultations as well as legal representation on covered matters.
  • Legal advice is a phone call away, and representatives will help you find an attorney in your area.

For more information, visit MetLife (use password 6090104 or GETLAW) or call 800-821-6400. You can enroll as a new hire or during Open Enrollment.

Consider the advantages of MetLife Legal

Watch the video.
 

Pet Insurance

You can purchase Pet Insurance to ensure health care coverage for your dog, cat, bird, hamster, or other exotic pet. With Pet Insurance, your pets are protected if they are injured or become ill. VPI policies are easy to use and reimburse you for eligible veterinary expenses related to surgeries, hospitalization, X-rays, prescription medications, and more. Best of all, you’re free to visit any veterinarian, anywhere in the world.

For more information or to enroll, visit Nationwide or call 877-738-7874. You can enroll anytime during the year with a discounted rate available to you through Mercury. You’ll pay for coverage directly with Nationwide, not through payroll deductions.