Supplemental medical

Western Union offers additional voluntary insurance options through Cigna – critical illness, accident, and hospital indemnity insurance to supplement your medical coverage. They help protect you from significant expenses not covered by your medical plan.

Accident insurance

Accident insurance helps ease your financial burden with cash benefits for covered accidents:

  • Cigna pays benefits directly to you if you have an accident while covered under this plan.
  • You choose between two coverage options when you enroll: Low or High.
  • The amount of money you receive is based on your coverage option, treatments, and injuries – regardless of any other insurance, you may have.
  • There are no limits to how you use the money.
  • For specific plan information, see the Documents.
  • You must enroll if you want coverage. You pay the full cost
  • Depending on which coverage amount you choose (Low or High), you receive the following benefits for expenses related to a covered accident.
Accident Insurance Covered ExpensesBenefit Payments
You can purchase coverage for you and your dependentsLow OptionHigh Option
Ambulance (ground transportation)$300$400
Doctor’s Office and Follow-up Treatment
(up to 10 treatments)
$50$100
Emergency Room$100$200
Diagnostic Exam$10$50
Physical Therapy (up to 10 treatments)$25$50
Fractures (closed and open reduction)Up to $4,000Up to $8,000
DislocationsUp to $4,000Up to $6,000
Hospital Admission$500$1,000
Hospital Confinement$100 per day$200 per day
Hospital Intensive Care$200 per day$400 per day
Pre-existing ConditionsNo limitationsNo limitations

Critical Illness insurance

Critical Illness insurance pays a lump-sum benefit when you have a covered illness, such as cancer, heart attack or stroke:

  • Cigna pays benefits directly to you – regardless of any other insurance you may have.
  • You choose your benefit amount when you enroll: Low or High.
  • There are no limits on how you use the money.
  • For specific plan information, see the Documents.
  • You must enroll if you want coverage. You pay the full cost.
  • Depending on which coverage amount you choose (Low or High), you receive the following benefits for expenses related to a covered illness.
Critical Illness InsuranceCoverage Amounts (Your lump-sum benefit options)
You can purchase coverage for you and your dependentsLow OptionHigh Option
Employee$10,000$20,000
Spouse or children$5,000$10,000

Hospital Indemnity insurance

Hospital Indemnity insurance gives you cash benefits for your hospital stays:

  • Cigna pays benefits directly to you if you have a hospital stay while covered under this plan.
  • You choose your benefit amount when you enroll: Low or High.
  • The amount of money you receive is based on how many days you stay in the hospital.
  • There are no limits on how you use the money.
  • For specific plan information, see the Documents.
  • You must enroll if you want coverage. You pay the full cost.
  • Depending on which coverage option you choose (Low or High), you receive the following benefits for expenses related to a covered hospital stay.
Hospital Indemnity InsuranceBenefit Payments
You can purchase coverage for you and your dependentsLow OptionHigh Option
Daily Hospital Confinement Benefit$100 per day$200 per day
Hospital Admission Benefit$500$1,000
Pre-existing ConditionsNo limitationsNo limitations
Keep in mind
These supplemental medical benefits support your medical coverage. On their own, they do not provide the minimum level of medical coverage you need to meet the Affordable Care Act requirement to have medical insurance.