Supplemental Plans

Our supplemental plans are offered through Prudential. You can enroll in either or both of the following plans as a new hire, during Annual Enrollment, or if you have a qualifying life event. You pay the full cost of coverage through after-tax paycheck deductions. Review the 2025 Benefits Guide to see your paycheck deductions. To enroll, log in to the Paychex Enrollment Portal.

2025 supplemental plans

Key features at a glance

Supplemental plans provide:

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 or a serious illness.

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.

Accident insurance supplements your primary medical plan by providing cash benefits in cases of covered accidental off-the-job 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).

Coverage options:

• Employee only
• Employee + spouse
• Employee + child(ren)
• Employee + family (spouse and children)

Benefits are paid:

• Directly to you, unless assigned to someone else
• In addition to any other coverage, like your primary medical plan or an Accidental Death & Dismemberment (AD&D) plan

You receive a cash benefit up to a specific amount for:

• Accidental death
• Dismemberment
• Dislocation or fracture
• Hospital confinement
• Intensive care
• Ambulance
• Physician’s treatment
• X-ray
• Emergency Room services
• Other medical services

The actual benefit amounts depend on the type of injuries you have and the medical services you need.

You also are eligible for a $75 wellness benefit when you receive one of the 52 wellness screenings included in your contract while not confined in a hospital. This benefit is payable once per calendar year for each covered person.

Watch this video to see a real-life example of how accident insurance works.

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 child care.

Coverage options:

• Employee – choose a benefit amount of $10,000, $20,000, or $30,000
• Dependents (spouse and/or children) – choose a benefit amount in $5,000 increments, up to a maximum of 100% of employee coverage

Benefits are paid:

• Directly to you, unless assigned to someone else
• For each covered diagnosis, including recurrences (within plan rules), up to a lifetime maximum of 500% of the benefit amount

You also are eligible for a $75 wellness benefit when you receive one of the 52 wellness screenings included in your contract while not confined in a hospital. This benefit is payable once per calendar year for each covered person.

Watch this video to see a real-life example of how critical illness insurance works.

Hospital indemnity insurance provides cash payments to help offset your share of the cost of a covered inpatient hospital stay and related services, such as ambulance transportation, surgery, and other treatments. You receive lump-sum payments for your initial hospital admission, plus daily benefits throughout your hospitalization (up to annual plan limits). Additional benefits are paid for Intensive Care Unit (ICU) admissions and stays.

The money can be used however you want, including to help pay for expenses you might not anticipate, so that you can focus more on recovering and less on your bills.

Coverage options:

• Employee only
• Employee + spouse
• Employee + child(ren)
• Employee + family (spouse and children)

Benefits are paid:

• Directly to you, unless assigned to someone else
• For each hospital admission and each day of a hospital stay, up to plan limits

In addition, the plan increases the value of benefits paid when hospital confinement is due to a high risk pregnancy, premature birth, pandemic, or quarantine.

Watch this video to see a real-life example of how hospital indemnity insurance works.