Supplemental Medical
Supplemental Medical Plans pay a fixed, one-time benefit amount which you can use for any purpose you like. It can help pay for expenses not covered by your healthcare plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home healthcare costs, or any of your regular household expenses.
What’s great about these plans are that they complement your existing healthcare coverage, filling in the gaps and offering financial support where it’s needed most. The best part? It’s entirely up to you. These plans are 100% voluntary, allowing you to choose the coverage that fits your lifestyle and priorities. It’s insurance that puts you in control, providing peace of mind when life takes unexpected turns. You do not have to be enrolled in one of the Weis Markets medical plans to elect these benefits.
Note: Supplemental benefits are not intended to be a substitute for medical coverage. These benefits are limited benefit group insurance policies — their provisions may vary or be unavailable in some states and may contain certain exclusions, limitations, and terms for keeping them in force. Certain states may require you to have medical coverage before enrolling for accident or hospital indemnity coverage.
RECEIVE $100 FOR COMPLETING A WELLNESS TEST
Hospital indemnity and critical illness insurance each pay $100 a year — a total of $200 if you enroll in both plans — for completing one wellness test such as a mammogram, Pap test, or PSA (blood test for prostate cancer). The LDL cholesterol test that is included in the annual physical you complete as part of the Healthy Blue Rewards Program also counts as a qualified test. Contact MetLife to complete a claim and learn of other wellness tests that qualify under this benefit. Please call MetLife at 1-866-626-3705 to file a claim for benefits or call 1-800-GET-MET8 (1-800-438-6388) for general questions.
Accident Insurance
Accident insurance helps you pay for unexpected costs that can add up due to common injuries such as fractures, dislocations, burns, emergency room or urgent care visits, as well as physical therapy. If you or a covered family member has an accident, this plan pays a lump-sum benefit. The amount of money depends on the type and severity of your injury, the treatment you receive, and the type of plan you elected.
Example – Alex
Alex’s child plays soccer on the varsity high school team. During a recent game, his child collided with an opposing plater, and was knocked unconscious, and was taken to the local emergency room (ER) by ambulance for treatment. The ER doctor diagnoses a concussion and a broken tooth. The doctor ordered a Computed tomography scan to check for facial fractures too. Alex’s child was released to their primary care physician for two follow-up treatments, and a dentist repaired the broken tooth with a crown.
The benefits below show how much money Alex was reimbursed for by his accident plan.
Sample Reimbursements
Ambulance (ground) — $400
Emergency Care — $150
Physician Follow-Up ($100 × 2) — $200
Medical Testing — $300
Concussion — $600
Broken Tooth (repaired by crown) — $400
Benefits paid by MetLife: $2,050
What Accident Insurance Covers
- Emergency Room Visits
- Hospital Stays
- Fractures and Dislocations
- Medical Exams – including major diagnostic exams
- Physical Therapy
- Transportation and Lodging – if you are away from home when the accident happens
For full coverage details, see the policy document in the Resources section.
Critical Illness
Critical illness insurance can help fill a financial gap if you experience a serious illness such as cancer, heart attack or stroke. Upon diagnosis of a covered illness, a lump- sum benefit is immediately paid to you. Use it to help cover medical costs, transportation, childcare, lost income, or any other need following a critical illness. You choose a benefit amount that fits your paycheck and can cover yourself and your family members if needed.
*IMPORTANT: If you enroll as a tobacco user, the rates will remain the same for the entire life of the policy. This applies to both associates and spouses.
Example – Jack
Jack elected $10,000 (Initial Benefit) of critical illness coverage. Later, he suffered a heart attack and was hospitalized. He received $10,000 from MetLife to help cover the gap in earning from his hospitalization. Two years later, he had another heart attack and again received $10,000 from MetLife. Three years after that, he was diagnosed with kidney failure and once again received $10,000 in payment from MetLife. At this point, he reached his Total Benefit (3x the amount of the Initial Benefit) and his policy was exhausted.
Sample Reimbursements
Heart Attack – first verified diagnosis — $10,000 (Initial Benefit payment or 100%)
Heart Attack – second verified diagnosis (two years later) — $10,000 (Recurrence Benefit payment or 100%)
Kidney Failure – first verified diagnosis (three years later) — $10,000 (Initial Benefit payment or 100%)
Total Benefit Remaining after payouts shown: $0
What Critical Illness Insurance Covers
- Heart Attack
- Cancer
- Stroke
- Alzheimer’s Disease
- Parkinson’s Disease
- Major Organ Failure
For full coverage details, see the policy document in the Resources section.
Hospital Indemnity
Hospital indemnity insurance can enhance your current medical coverage. The plan pays a lump-sum benefit when you or an enrolled dependent is admitted or confined to the hospital for covered accidents and illnesses. You can use the money you receive under the plan however you see fit, for paying medical bills, childcare, or for regular living expenses like groceries-you decide. You also may cover your spouse and dependent children.
*IMPORTANT: Weis Markets offers a fixed indemnity policy; this is NOT health insurance. If you are considering purchasing this policy, please read the notice in our Voluntary Benefits Booklet.
Example – Susan
Susan has chest pains at home, and after contacting her doctor, she is instructed to go to her local hospital. Upon arrival, the doctor examines Susan and advises that she requires immediate admission to the Intensive Care Unit for further evaluation and treatment. After two days in the Intensive Care Unit, Susan moves to a standard room and spends two additional days recovering in the hospital. Susan was released to her primary care physician for follow up treatment and observation. Her primary doctor is now watching over her overall health.
The benefits below show what Susan was reimbursed for by her hospital indemnity plan.
Sample Reimbursements
Regular Hospital Admission (1x) — $1,000
ICU Supplemental Admission (1x) — $1,000
Regular Hospital Confinement (3 total days) — $300
ICU Supplemental Confinement (1 day) — $100
Benefits paid by MetLife: $2,400
What Hospital Insurance Covers
- Heart Attack
- Hospital Admission
- Hospital Confinement
- Hospital Intensive Care
- Surgical Care
- Medical Diagnostic and Imaging
- Transportation and Lodging
For full coverage details, see the policy document in the Resources section.