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Supplemental Benefits

Personal Accident Indemnity Plan (AFLAC)

Provides 24-hour accident coverage to covered employees and eligible dependents. Qualifying events include those due to an accident and resulting in: admission to a hospital; emergency transportation by ambulance; emergency treatment in a hospital, urgent care facility, university infirmary, or physician's office; confinement in an intensive care unit; or physical therapy. Diagnoses include: dislocations, fractures, eye injuries, broken teeth, paralysis, burns, lacerations, concussions, and others. An optional spouse disability rider is available as well. See brochure for full details. Payment is supplemental to benefits paid by any other insurance policy and is made directly to the employee by AFLAC. To file a claim, print and complete the Accident Claim Form and fax to Hunter Benefits Group at 256.383.9523. To enroll, you must visit the Office of Human Resources during the Open Enrollment Period each year. A wellness benefit is payable once per year per policy. To file a wellness claim, print, complete, and fax the Wellness Claim Form to Hunter Benefits Group at 256.383.9523. Policy rates are as follows:

 

Plan Type Monthly Premium Bi-Weekly Premium (24 deductions/year)
Employee Only $21.97 $10.99
Employee & Spouse $31.20 $15.60
One Parent Family $36.92 $18.46
Two Parent Family $47.84 $23.92

Group Voluntary Cancer Insurance

The University has, for many years offered a supplemental cancer policy through Professional Insurance Corporation (PIC). In 2009, the University decided to offer a more current cancer policy which provides greater benefits to employees. Below is the information for both policies.

Group Voluntary Cancer Insurance (PIC):
(This coverage will no longer be offered to new employees beginning August 1, 2010.)

To view the PIC cancer policy, please click here or the Cancer/Intensive Care Insurance link in the menu on the left. The rates for this policy are as follows:

Plan Type Monthly Premium
HIGH PLAN Individual $6.00
Family $3.50

This plan is administered on a local level by LL Whitten and Associates of Florence
(256-764-6972 or 800-289-1122).

Group Voluntary Cancer Insurance (ALLSTATE):

The Allstate Cancer Policy provides benefits for the necessary treatment of cancer or a specified disease. Treatment must be received in the United States or its territories. See the brochure and schedule of benefits for full details. Payment is supplemental to benefits paid by any other insurance policy and is made directly to the employee by Allstate. To file a claim, print and complete the Cancer/Specified Disease Claim Form and fax to Hunter Benefits Group at 256.383.9523. To enroll,visit the Office of Human Resources during the Open Enrollment Period each year. A wellness benefit is payable once a year for each covered adult for cancer-screening tests such as PSA blood tests, mammography, pap smears, bone marrow tests, and other specific screenings. To file a wellness claim, print, complete, and fax the Cancer Wellness Claim Form to Hunter Benefits Group at 256.383.9523. Policy rates are as follows:

 

Plan Type Monthly Premium Bi-Weekly Premium (24 deductions/year)
HIGH PLAN Individual $31.51 $15.75
Family $53.92 $26.96
LOW PLAN Individual $14.13 $7.06
Family $24.20 $12.10

 


Hospital Protection Plans (AFLAC)

Provides benefits for hospital confinement resulting from sickness or injury, including maternity. An Initial Hospital Rider is available as well. Four plan levels are available; see the following information for full details.
Hospital Choice
Payment is supplemental to benefits paid by any other insurance policy and is made directly to the employee by AFLAC. To file a claim, print and complete the Hospitalization/Sickness Claim Form and fax to Hunter Benefits Group at 256.383.9523. The AFLAC Hospital Indemnity policy pays a Physician's Visit Benefit for services rendered under the supervision of a physician, after the effective date of your policy.  To file a claim, print and complete the Physician's Visit Benefit Claim Form and fax to Hunter Benefits Group at 256.383.9523. 

To enroll, you must visit the Office of Human Resources during the Open Enrollment Period each year. Policy rates are based on the employee's age at the time of enrollment and do not increase due to age. Policy rate sheets are available below:

Rate Sheet for Employees


Short-Term Disability (FORT DEARBORN LIFE)

Provides a weekly benefit to an employee whose illness or injury causes him/her to be unable to work for over 14 days. Coverage is for up to 90 days from the date of injury/illness. See brochure for full details. Premiums are age- and income-based; the rate sheet is a part of the brochure. To enroll, you must visit the Office of Human Resources during the Open Enrollment Period each year.


Vision (VSP)

To view the current vision coverage that is included in your BlueCross/BlueShield Health Insurance, please click here or the Vision link in the menu on the left.

The VSP Supplemental Vision Plan provides benefits for an eye exam and glasses or contact lenses annually.  Payment for these benefits is made directly to the eye-care provider; this payment is in addition to your current vision coverage with Blue Cross/Blue Shield.  See the VSP Informational Flyer for full details.  It is highly recommended that you consider this policy only if you plan to use one of the listed network providers.  To search for additional providers, refer to the VSP website: (http://www.vsp.com).

The plan also offers discounts on LASIK procedures and a hearing benefit. Click on the links below to view all informational flyers and offers:

VSP Extra $20 Coupon                 VSP True Hearing Informational Flyer
VSP Extra Savings                        VSP Laser VisionCare Flyer

Enrollment takes place once per year during the University's Open Enrollment Period.  Click here for the VSP application.  Completed enrollment forms must be submitted to the Office of Human Resources.  To file a claim, simply tell the provider that you have VSP; there is no membership card.  Rates for the vision plan are as follows:


Plan Type Monthly Premium Biweekly Premium
Employee Only $8.88 $4.44
Employee + One $17.76 $8.88
Family $23.76 11.88

Flexible Spending Accounts

The University offers flexible spending plan through HealthEquity, a third-party administrator fror Blue Cross/Blue Shield. The plan is available to all full-time, regular employees at no cost. A flexible spending plan allows an employee to set aside pre-tax dollars for certain medical and dependent care expenses incurred throughout the year. This plan allows eligible employees to set aside up to $2,700 for medical and up to $5,000 for dependent care expenses annually. Eligible expenses can be for the participant and his/her spouse and eligible dependents, whether covered under the University’s health plan or not. 

For medical expenses, participants are provided with a debit card to use for out-of-pocket expenses.  All transactions and requests for documentation by HealthEquity are managed through each participant's HealthEquity web portal account.

Typically, an expense must have been incurred in the calendar year of participation (January 1 through December 31) in order to be eligible for reimbursement from the respective year's account balance.  However, the University has elected to offer participants a grace period, which allows expenses incurred in the following calendar year through March 15 to be applied to the former year's account balance, if any.  Please be advised that, because this plan is eligible for IRS exemptions, it is a "use-it-or-lose-it" plan.  So, it is advisable to only set aside funds for expenses you are certain you will incur within the calendar year of enrollment.

HealthEquity Enrollment Form


For questions or further information regarding all supplemental benefit options, please contact The Hunter Benefits Group:

Hunter Benefits Group LogoHunter Benefits Group