Health Plans & Support
Supplemental Medical
Overview
Supplemental insurance coverage for illnesses, accidents and hospital stays provides an extra layer of protection for you and your family. These benefits are offered through Voya.
You have these options:
How the Plans Work
-
1
Enroll on the Benefitfocus portal
You enroll for each of these benefits separately on the Benefitfocus portal. You can enroll yourself and your eligible family.
-
2
Pay for coverage
You purchase coverage with after-tax payroll deductions, making benefits paid tax free. These plans have low weekly premiums that can help fill financial gaps where you may need extra coverage.
-
3
You can take your coverage with you
If you leave AEO or retire, you can continue this coverage.
-
4
Name a beneficiary
Make sure you name a beneficiary for your coverage.
-
5
File a claim if you need to
You’ll file a claim when you need to access these benefits. Benefits are paid directly to you.
Note: Cancer/critical illness, accident and hospital indemnity are limited benefit policies. They are not health insurance, and they do not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
Cancer/Critical Illness Insurance
Cancer/critical illness coverage pays a cash benefit directly to you if you’re diagnosed with a covered critical illness or cancer. Use your cash benefit to help pay for treatment or everyday living expenses.
Covered Illnesses
More than 20 conditions are covered*, including:
- Heart attack
- Stroke
- Kidney failure
- Cancer
- Type 1 diabetes
- Severe burns
Health Screening Benefit
Complete an eligible health screening test, and you’ll get a $75 benefit payment to use however you’d like.
You, your spouse/domestic partner and your children are all eligible for the health screening benefit.
*Additional occurrences must be separated by at least 6 months. Reoccurrences must be separated by 6 months or 6 months treatment-free for cancer
Cancer/Critical Illness Benefits at a Glance
Here’s a look at your options. You can elect coverage for yourself and your spouse/domestic partner.
Your dependent children are covered at 50% of your coverage level for no additional cost.
| Coverage Details | Coverage Amount |
|---|---|
| For you | $5,000, $10,000, $20,000 or $30,000 |
| For your spouse/domestic partner | Up to 100% of your coverage amount |
| For your children (up to age 25) | 50% of your coverage amount |
| Health screening benefit | $75 |
Costs for Coverage
Costs for coverage are based on your age and your tobacco status. You’ll see your costs for coverage during the enrollment process.
Accident Insurance
Accident insurance pays a cash benefit directly to you to help with unexpected costs due to an off-the-job covered accident.
Covered Expenses
Covered expenses include:
- ER treatment
- X-rays
- Physical therapy
- Stitches
- Follow-up doctor treatment
Health Screening Benefit
Complete an eligible health screening test, and you’ll get a $75 benefit payment to use however you’d like.
You, your spouse and your children are all eligible for the health screening benefit.
Costs for Coverage
You can elect coverage for yourself, your spouse/domestic partner and your children. Your spouse/domestic partner and children up to age 26 will be covered for the same accident benefits as you. One premium amount covers all of your eligible children.
Below are your bi-weekly paycheck costs for coverage.
| Coverage Tier | Accident Insurance |
|---|---|
| Associate | $4.33 |
| Associate + Spouse/Domestic Partner | $6.58 |
| Associate + Children | $9.16 |
| Associate + Family | $11.40 |
Voya Travel Assistance
If you’re enrolled in accident insurance, you automatically get Voya Travel Assistance. When traveling more than 100 miles from home, Voya Travel Assistance offers enhanced security for your personal and business trips. You and your dependents can take advantage of four types of services: pre-trip information, emergency personal services, medical assistance services and emergency transportation services.
Hospital Indemnity Insurance
Hospital Indemnity Insurance pays a cash benefit directly to you during a covered hospitalization to help with related expenses. These expenses include things like transportation and meals for family members, help with childcare or time away from work.
Covered Expenses
The plan pays set benefits for hospital admissions (including pregnancy), hospital confinements and inpatient rehabilitation.
Health Screening Benefit
Complete an eligible health screening test, and you’ll get a $50 benefit payment to use however you’d like. You, your spouse/domestic partner and your children are all eligible for the health screening benefit.
Costs for Coverage
You can elect coverage for yourself, your spouse/domestic partner and your children. Your spouse/domestic partner and children up to age 26 will be covered for the same hospital indemnity benefits as you. One premium amount covers all of your eligible children.
Below are your bi-weekly paycheck costs for coverage.
| Coverage Tier | Hospital Indemnity Insurance |
|---|---|
| Associate | $3.96 |
| Associate + Spouse/Domestic Partner | $7.15 |
| Associate + Children | $5.82 |
| Associate + Family | $9.02 |
Learn more
You might be interested in:
Life and AD&D Insurance
Life and AD&D insurance offers another layer of financial protection for you and your family.
Learn More
Disability Insurance
If you can’t work due to a non-work-related illness or injury, AEO’s Short-Term and Long-Term Disability benefits replace part of your income.
Learn More