Accident & Hospital Indemnity
Full-time employees who actively work at least 30 hours per week along with their legal spouse, dependent children up to age 26, are eligible for accident and hospital indemnity coverage through Voya. Coverage for new hires begins on the first of the month following their date of hire.
877-236-7564 | www.voya.com | Policy #: 746959
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Benefit Information
Unexpected accidents and hospitalizations can be financially draining for employees, leading to stress and uncertainty at a time when they should be focused on their recovery. Voya’s Accident and Hospital Indemnity coverage provides essential financial support, helping employees manage out-of-pocket expenses and ensuring they can focus on getting better instead of worrying about the costs associated with medical care. This supplemental coverage is designed to work alongside your primary health insurance, providing additional financial assistance for unexpected events.
Accident Insurance
Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident that occurs on or after your coverage effective date. Get a benefit payment to spend on deductibles, groceries, gas, utilities, or anything you’d like. Accident Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
If you enroll in Accident Insurance coverage, you have access to the Wellness Benefit, which will pay you and covered family members an annual benefit if they complete an eligible health screening test. These screenings may include a mental health screening, flu immunization, a mammogram and a routine eye or dental exam. Your Wellness Benefit is $75 for employees, $75 for spouses, $75 per child.
How much does it cost? This table shows your rates for Accident Insurance. The cost provided below includes Accident Insurance premium and a fee for Voya Travel Assistance.
| Accident Insurance Semi-Monthly Rates 24 Pay Period Deductions | |||
| Employee | Employee and Spouse | Employee and Children | Family |
| $5.77 | $11.54 | $12.41 | $18.18 |
Hospital Indemnity Insurance
Hospital Indemnity Insurance pays a benefit if you have a covered stay in a hospital, critical care unit, or rehabilitation facility on or after your coverage effective date. You can use this money for any expense you’d like. Childcare, groceries, help around the house—it’s up to you. Hospital Indemnity Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
If you enroll in Hospital Indemnity Insurance coverage you have access to the Wellness Benefit, which will pay you and covered family members an annual benefit if you complete an eligible health screening test. These screenings may include a mental health screening, flu immunization, a mammogram and a routine eye or dental exam. Your Wellness Benefit is $75 for employees, $75 for spouses, $75 for all children.
How much does it cost? This table shows you how much you’ll pay for Hospital Indemnity Insurance. The premium is deducted from your paycheck.
| Coverage Type | Daily Benefit | Semi-Monthly Rates (24 pay periods) |
| Employee | $150 | $9.97 |
| Employee + Spouse | $150 | $21.93 |
| Employee + Children | $150 | $19.94 |
| Employee + Family | $150 | $31.91 |
Travel Assistance
Being in an unfamiliar place can be stressful at times, especially if something goes wrong. Voya Travel Assistance offers you and your dependents services when traveling 100 miles or more from home, including: medical assistance services, emergency medical transport services, travel assistance services such as pre-trip and cultural information, security services and accessible technology.