Accident & Hospital Indemnity Insurance When you enroll in the Aetna CDHP, you, as a CPK employee, will be automatically enrolled in the voluntary group accident and hospital indemnity coverage through Allstate Benefits. How does it help you save money? With the accident coverage, if you were to break your leg, the plan would pay you benefits to help cover the costs of the unexpected stuff. These include costs for services like an ambulance transport, your hospital admission, and physical therapy. With the hospital indemnity coverage, you are eligible to receive cash benefits for expenses associated with a hospital stay due to sickness or injury. Accident Insurance Cost of Once you meet the deductible, CDHP Accident insurance pays… Service Medical Claim pays… Note: these costs assume you Note: You don’t need to meet the CDHP stay in network deductible Ambulance $400 $320 $100-$200 ER visit $1,000 $800 $250-$500 Fracture (fibia) surgery $6,000 $4,800 $2,000/$4,000 Hospital admission (3-day stay) $3,500 $2,800 $800/$1,100 Follow up Visits (2) $200 $160 $50/$50 Physical Therapy (4) $400 $320 $120/$120 MRI $1,500 $1,200 $50/$50 Crutches $50 $40 $125/$125 Total cost $13,050 $10,440 $3,995/$7,145 Note: This is an example of how this plan could work – actual reimbursements will vary based on the type of injury. Plan Design Employee Only Employee + Spouse Employee + Children Family Low Plan – monthly premiums $0 (Cost paid by CPK) $4.14 $6.51 $10.91 High Plan – monthly premiums $5.70 $13.95 $18.67 $27.48 Hospital Indemnity Insurance Cost of Medical Once you meet the deductible, the CDHP Hospital Indemnity Service Claim pays… Note: this cost is based on in- insurance pays network providers Average cost of a 3-day hospital $30,000 $24,000 $800/$1600 stay Note: This is an example of how this plan could work – actual reimbursements will vary based on the type of injury. Plan Design Employee Only Employee + Spouse Employee + Children Family Low Plan – monthly premiums $0 (Cost paid by CPK) $18.09 $7.80 $20.48 High Plan – monthly premiums $10.71 $47.11 $26.41 $51.79 9