This benefit helps employees offset increasing deductibles or copayments. What this product can do for employers Employers can increase the value of their employee benefits program by offering an option that has become popular with employees. Employers can offer a product that meets the needs of employees concerned with intensive care costs. Employers can provide a more comprehensive benefits program at no direct cost. This plan helps employees pay costs associated with hospital confinement in intensive care, coronary care, neonatal intensive care, and sub-acute intensive care 1 units.
Employees can purchase family coverage, which automatically covers newborn children.
Employees receive benefits regardless of any other coverage they may have, and they can keep the coverage for life, even if they change jobs or retire. Important features Employees may choose from benefit levels to meet their needs. Employees receive benefits for up to 31 days per confinement in an intensive care unit and subsequent confinement in a sub-acute care unit. Employees receive a lump-sum benefit for each intensive care confinement experienced at age 70 or older. At this age, many intensive care policies reduce benefits in half.