It’s important to plan for your family’s financial security in case the unexpected happens.

 

Overview

Supplemental benefits described here can help safeguard your personal finances. They are designed to complement your medical plan by providing financial protection in the event of a serious health problem or accident. These plans are not intended to replace true medical coverage. See below for general information. For more details about the benefits offered to you, please visit our separate supplemental benefits site.

 

Accidental Injury Insurance

Accident injury insurance can help provide you with a cushion to help cover expenses and living costs when you get hurt unexpectedly. You may end up paying out of your own pocket for things like deductibles, coinsurance, transportation, over-the-counter medicine, day care, or sitters for extra help around the house. With accident insurance, the benefits you receive can help take care of these extra expenses and anything else that comes up. This coverage is for non-work-related accidents.

  • Coverage is guaranteed issue – no evidence of insurability required.
  • Benefits are paid directly to you unless assigned to someone else.
  • Benefits are paid in addition to any other coverage you may have.
  • Coverage is portable and may be continued if you leave WGU.
  • Employee and Family coverage available.
 

Critical Illness Insurance

Critical Illness insurance provides a lump sum benefit to help you cover the out-of-pocket expenses associated with certain critical illness diagnoses.

  • Benefits are paid directly to you unless assigned to someone else.
  • Coverage supplements your existing medical benefits.
  • Coverage is portable and may be continued at the same rate and coverage level if you leave WGU.
  • Covered dependents receive 50% of the basic benefit amount, and 100% of the Wellness benefit.
  • Coverage is based on attained age (premiums are based on current age and will not increase with age bands).

Plan highlights include:

  • Coverage for diagnosis of Heart Attack, Stroke, Coronary Artery Disease, Major Organ.
  • Transplant, End Stage Renal Failure, Invasive Cancer, Carcinoma In Situ.
  • Wellness benefit pays $50 per covered person, per year, for completing a covered wellness exam.
  • Waiver of premiums included.
 

Hospital Care Coverage

If unexpected medical needs arise, will your major medical insurance cover enough of the expense? Benefits from a Hospital Care plan can be used to assist you in paying deductibles, coinsurance, out-of-network costs, etc. Benefits are paid regardless of other coverage, and this plan is compatible with a Health Savings Account.

  • Initial Hospital Confinement benefit = $1,000 (low plan) and $2,000 (high plan)
  • Daily Hospital Confinement benefit = $100/day (low plan) and $200 (high plan) for up to 30 days
  • Intensive Care Hospital Confinement = $200/day (low plan) and $400 (high plan) for up to 30 days
 

What You Pay in Supplemental Coverage

Accidental Injury Biweekly Premiums

Plan/Tier Low Plan High Plan
Employee Only $2.82 $4.71
Employee + Spouse $5.01 $8.44
Employee + Child(ren) $6.48 $11.01
Employee + Family $8.67 $14.73

Critical Illness Biweekly Premiums

Plan/Tier Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
$10,000 Basic Benefit Amount
0-24 $1.36 $2.41 $1.36 $3.04
25-29 $1.40 $2.40 $1.40 $3.15
30-34 $1.77 $2.86 $1.77 $3.61
35-39 $2.30 $3.52 $2.30 $4.28
40-44 $3.41 $5.22 $3.41 $6.16
45-49 $4.54 $6.96 $4.54 $7.89
50-54 $5.88 $9.33 $5.88 $10.27
55-59 $8.21 $12.41 $8.21 $13.34
60-64 $11.39 $18.74 $11.39 $19.88
65-69 $14.15 $23.27 $14.15 $24.41
70-74 $20.15 $32.55 $20.15 $33.70
75-79 $27.65 $45.86 $27.65 $47.06
80-84 $40.35 $58.37 $40.35 $59.57
85+ $47.31 $77.48 $47.31 $78.70
$20,000 Basic Benefit Amount
0-24 $2.71 $4.83 $2.71 $6.07
25-29 $2.81 $4.80 $2.81 $6.30
30-34 $3.54 $5.71 $3.54 $7.23
35-39 $4.61 $7.04 $4.61 $8.56
40-44 $6.82 $10.43 $6.82 $12.31
45-49 $9.08 $13.91 $9.08 $15.78
50-54 $11.77 $18.66 $11.77 $20.54
55-59 $16.42 $24.81 $16.42 $26.68
60-64 $22.78 $37.49 $22.78 $39.77
65-69 $28.29 $46.54 $28.29 $48.81
70-74 $40.30 $65.10 $40.30 $67.39
75-79 $55.29 $91.72 $55.29 $94.12
80-84 $80.70 $116.73 $80.70 $119.14
85+ $94.62 $154.97 $94.62 $157.39
$30,000 Basic Benefit Amount
0-24 $4.07 $7.24 $4.07 $9.11
25-29 $4.21 $7.20 $4.21 $9.46
30-34 $5.32 $8.57 $5.32 $10.84
35-39 $6.91 $10.56 $6.91 $12.84
40-44 $10.23 $15.65 $10.23 $18.47
45-49 $13.62 $20.87 $13.62 $23.68
50-54 $17.65 $28.00 $17.65 $30.81
55-59 $24.63 $37.22 $24.63 $40.02
60-64 $34.17 $56.23 $34.17 $59.65
65-69 $42.44 $69.81 $42.44 $73.22
70-74 $60.45 $97.66 $60.45 $101.09
75-79 $82.94 $137.58 $82.94 $141.18
80-84 $121.06 $175.10 $121.06 $178.71
85+ $141.92 $232.45 $141.92 $236.09

Higher premiums apply for tobacco users. Refer to premiums in Workday or visit the WGU People Center to submit a request for additional information.

Hospital Care Coverage Biweekly Premiums

Plan/Tier Low Plan High Plan
Employee Only $6.83 $13.57
Employee + Spouse $13.18 $26.27
Employee + Child(ren) $11.67 $23.24
Employee + Family $18.02 $35.94