Supplemental health

Supplemental Health

Accident, Critical Illness, Hospital Indemnity, and Cancer Insurance pay employees cash for covered conditions. Benefits can be used for any purpose.

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With Sun Life Supplemental Health plans, you can help your health plan work better

  • Employers have the flexibility to expand how they meet their employee population healthcare access needs
  • Employees can increase their financial ability to pay out-of-pocket medical and non-medical expenses    

Members can use their benefits however they want:

  • To pay out-of-pocket medical expenses not covered by health insurance, including deductible, co-pay and co-insurance amounts
  • To pay non-medical expenses associated with their injury or illness, like travel costs to medical appointments, or additional childcare expenses
  • Other ways, like a family trip that they don’t want to delay any longer

Modernizing Supplemental Health Client Experiences

Faster claims. Less paperwork. In this 3-minute video, Ed Milano, VP, Client Experience Officer, and Bryan Burke, AVP, Product Development, Voluntary Benefits, talk about claims integration across the portfolio and our expanding Critical Illness offering that includes benefits for lower severity events and family care benefits that range from inability to conceive benefits to pregnancy and newborn complications.

Learn more: 

Sun Life plans offer Wellness Benefits that encourage preventive health, early identification and diagnosis of medical conditions.

  • Payments may be paid once annually when a member submits a claim for a covered wellness screening, and may be payable even for Dental and Vision exams.
  • Payments are available per covered member; a family of four could submit a claim for each person, helping pay their premium or expenses.

By frequency

  1. Lipid panel / Blood test for lipids
  2. Immunizations
  3. Breast Cancer Screening/ultrasound/mammography
  4. Pap smear
  5. Annual physical examination
  6. Diabetes tests
  7. Interscholastic Sports Physical Exam
  8. Fasting Blood Glucose Test
  9. Colorectal Cancer Screening
  10. Echocardiogram
  11. Dental examination
  12. Skin Cancer Screening
  13. Prostate Cancer Screening/PSA blood test
  14. Chest x-ray
  15. Vision examination

Regular preventive screenings encourage early detection and treatment, leading to reduced healthcare costs, increased productivity and reduced absenteeism due to illness. ()

We make employee education and enrollment easy with Benefits Explorer, our streamlined digital experience customized to your employee population. Set-up is a snap and implemented by our experts.  Live benefits counselors can provide support to complement the intuitive, easy-to-understand and engaging online experience.  You can also use your own HCM/benefits platforms.

Learn more about Benefits Explorer

Claims

Talk with us about easy claims submissions online for members, medical file feed, Wellness Benefit bulk submissions, and our automated outreach.

Online claims management for employees

Employers can enable automated payments with medical file feeds

Bulk wellness submissions

Integrated benefits platform checks for other eligible benefits

A real life story

Learn how Hospital Indemnity insurance from Sun Life helped a Valerie and Bryan's family with much needed expenses during a sad time in their lives.

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Ready to learn more about supplemental health benefits?

Have a local employee benefits representative contact you.

Sun Life reserves the right to discontinue any of the Services at any time. Employers who provide group insurance coverage and make available value-added services within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans. Value-added services are not available in New York and may not be available in all other states.

The Wellness Benefit as applicable to certain coverages provides one Wellness Benefit per calendar year per covered person from the list of covered benefits. See policy for details of covered items and services. Only tests and procedures listed in the policy are eligible for benefit payment. The Wellness Benefit is not available in all states and some policies do not contain the Wellness Benefit.

These coverages do not constitute comprehensive health insurance (often referred to as “major medical coverage”) and do not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act.

The Supplemental Health Insurance plans described above are limited benefit policies. They do NOT provide basic hospital, basic medical, or major medical insurance. The certificates may have exclusions, limitations, and benefit waiting periods for certain conditions, all of which may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificates. For more information, please refer to the certificate. The policies, certificates and riders, if applicable, may not be available in all states and may vary based on state laws and regulations.

In New York, to be eligible for Hospital Indemnity insurance or Specified Disease coverage, the Insured must also be covered under major medical, or at least basic hospital and basic medical insurance. 

Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 15-GP-01, 20-SD-R-01, 23-SD-C-01, 23-SDPort-C-01, 23-SD-R-01, 23-SD-R-02, 23-SD-R-03, 23-SD-R-04, 23-SD-R-05, 23-SD-R-06, 16-CAN-C-01, 16-CANPort-C-01, 20-HI-C-01, 12-GPPort-P-01, 20-HIPORT-C-01; 16-AC-C-01, 16-ACPort-C-01, 15-GP-01, 12-GP-01, 12-AC-C-01, 12-GPPort-01 and 12-ACPort-C-01.

In New York, insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 15-GP-01, 15-SD-GP-01, 12-GP-SD-01, 13-SD-C-01, 12-GPPort-01 and 13-SDPort-C-01; 15-HI-GP-01 and 20-HI-C-01; 12-GP-01, 12-GPPort-P-01, 12-AC-C-01, 12-ACPort-C-01, 15-GP-01, 16-AC-C-01 and 16-ACPOrt-C-01.

Product offerings may not be available in all states and may vary depending on state laws and regulations. This is critical illness only insurance.

This advertisement is not approved in these states: AZ, GA, NM, OR, WA, and WY.

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