Supplemental
Health Coverage
Voluntary supplemental health coverages through The Hartford can pay lump-sum benefits for specific health situations.
Lumexa Imaging offers three voluntary supplemental health coverages through The Hartford:
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
This coverage can be used in conjunction with medical insurance to pay lump-sum benefits for specific health situations. The money can be used however you need it — to pay for medical expenses, travel costs, food and lodging, or everyday household expenses.
Accident Insurance
Accident coverage provides benefits to help cover the costs associated with unexpected bills due to covered accidents, regardless of any other insurance you have. If you purchase coverage and are hurt in a covered accident, you will receive a lump-sum cash payment.
There are three options to choose from: Bronze, Silver and Gold.
View and compare Accident plan details
| Bronze Plan | Silver Plan | Gold Plan | |
|---|---|---|---|
| Initial and emergency care | |||
| Initial accident | $150 | $200 | $250 |
| Emergency room visit | $250 | $300 | $400 |
| Urgent care visit | $150 | $200 | $250 |
| Ambulance | $1,500 air $750 ground |
$2,000 air $1,000 ground |
$2,500 air $1,250 ground |
| X-ray | $100 | $150 | $200 |
| Follow-up care | |||
| Follow-up physician visit | $100, up to 6 visits | $150, up to 6 visits | $200, up to 6 visits |
| Physical / occupational therapy | $75, up to 10 visits | $100, up to 10 visits | $125, up to 10 visits |
| Mobility aids | $50–$1,000 | $75–$1,500 | $100–$2,000 |
| Hospital confinement | |||
| Hospital admission | $1,500 | $2,000 | $2,500 |
| Hospital confinement | $250 a day, up to 90 days | $500 a day, up to 90 days | $750 a day, up to 90 days |
| ICU admission | $3,000 | $4,000 | $5,000 |
| ICU confinement | $500 a day, up to 15 days | $1,000 a day, up to 15 days | $1,500 a day, up to 15 days |
| Specific injuries | |||
| Burns, 2nd degree | $250–$1,500 | $500–$3,000 | $1,000–$5,000 |
| Burns, 3rd degree | $1,500–$20,000 | $3,000–$25,000 | $5,000–$30,000 |
| Fractures, closed | Up to $4,000 | Up to $5,000 | Up to $6,000 |
| Fractures, open | Up to $8,000 | Up to $10,000 | Up to $12,000 |
| Lacerations | $25–$500 | $50–$1,000 | $75–$1,500 |
| Tendon / ligament repair | Up to $2,000 | Up to $3,000 | Up to $4,000 |
| Concussion | $200 | $300 | $400 |
| Catastrophic | |||
| Coma | $10,000 | $15,000 | $20,000 |
| Paralysis | Up to $50,000 | Up to $80,000 | Up to $100,000 |
| Accidental death | $50,000 | $80,000 | $100,000 |
This is a summary. For a full list of covered injuries and treatments, see the Accident Insurance benefits booklet from The Hartford.
Critical Illness Insurance
Critical illness insurance can offset the financial effects of a catastrophic illness or condition. Examples of covered illnesses or conditions are heart attack, stroke, cancer, major organ failure and permanent paralysis.
You can choose $10,000 or $20,000 of coverage. The amount you elect is the most the plan will pay for a covered diagnosis, and the benefit depends on the diagnosis. Coverage for your spouse and children is 50% of your elected amount.
View Critical Illness plan details
| Covered condition | Benefit amount |
|---|---|
| Cancer | 100% invasive 25% non-invasive |
| Heart attack | 100% STEMI 25% NSTEMI |
| Stroke | 100% |
| Abdominal or thoracic aneurysm | 100% |
| Major organ failure | 100% |
| End stage renal disease | 100% |
| Parkinson’s disease | 10% early 100% advanced |
| Alzheimer’s disease | 10% early 100% advanced |
| Coma | 100% |
| Loss of sight, hearing or speech | 100% |
| Permanent paralysis | 100% |
Hospital Indemnity Insurance
Hospital indemnity helps employees and families cope with the financial impacts of a hospitalization. You will receive benefits when you are admitted to the hospital for covered accidents, illnesses, or childbirth.
There are two plan options to choose from: Base and Premium.
Both plans are guaranteed issue, so you don’t have to answer medical questions to enroll. There’s no pre-existing condition exclusion: benefits are payable for hospital stays that happen on or after your coverage effective date.
View and compare Hospital Indemnity plan details
| Base Plan | Premium Plan | |
|---|---|---|
| Hospital admission | $1,000, once per calendar year | $2,000, once per calendar year |
| Daily confinement benefit | $100 per day, up to 30 days per calendar year | $150 per day, up to 30 days per calendar year |
| Daily ICU confinement benefit | $200 per day, paid in lieu of hospital stay benefit, up to 10 days per calendar year | $250 per day, paid in lieu of hospital stay benefit, up to 10 days per calendar year |
Health Screening Benefit
Beginning in January 2027, employees and dependents enrolled in any of the supplemental health coverages through The Hartford can earn a $50 benefit when they receive a preventive health screening, such as an annual physical, well-child exam, dental or eye exam, mammogram, or colonoscopy.
For a full list of screenings that qualify and information on how to file a claim, see the benefits summary provided by The Hartford.
Cost for coverage
You pay for each supplemental health coverage plan through semi-monthly paycheck deductions. Coverage is offered at discounted group rates.
How to enroll
Coverage is available for yourself and your dependents. You do not have to be enrolled in a Lumexa Imaging medical plan to purchase this insurance.
You can enroll in any of the supplemental health coverage plans during Open Enrollment through Employee Navigator , as a new hire, or if you experience a qualifying life event.
Coverage begins the first day of the month following the date you were hired or became eligible for benefits.
