Coke Northeast offers all Full-Time Employees the option to enroll in Voluntary Critical Illness benefits through Cigna. Critical Illness can help provide you and your family with additional financial protection you may need for expenses associated with an unexpected covered critical illness.
Plan Summary
Critical Illness Insurance pays a lump-sum benefit directly to you, in the event you are diagnosed with a covered critical illness such as cancer, heart attack or stroke. The Lump-sum benefit paid upon the diagnosis of a covered condition is based on your enrollment of $5,000, $10,000 or $20,000. What you do with the payment is up to you; it can be used for expenses beyond direct medical costs, including:
- Travel, room and board for medical treatment
- Childcare
- Treatment options not covered by traditional insurance
- Everyday household bills
| Benefit Type | Option 1 | Option 2 | Option 3 |
|---|---|---|---|
| Employee Benefit Amount(s) | $5,000 | $10,000 | $20,000 |
| Spouse Benefit Amount(s) | $2,500 | $5,000 | $10,000 |
| Child(ren) Benefit Amount(s) | $1,250 | $2,500 | $5,000 |
| Benefit Type | Initial Benefit Amount | Recurrence |
|---|---|---|
| Cancer Conditions Invasive Cancer Carcinoma in Situ Skin Cancer |
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| Vascular Conditions Heart Attack Severe Stroke Coronary Artery Disease |
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| Nervous System Conditions Advanced Alzheimer's Disease Amyotrophic Lateral Sclerosis (ALS) Parkinson's Disease Multiple Sclerosis |
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| Childhood Conditions Cerebral Palsy Cystic Fibrosis Muscular Dystrophy Poliomyelitis |
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| Other Specified Conditions Benign Brain Tumor Blindness Coma End-Stage Renal (Kidney) Disease Major Organ Failure Paralysis |
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Additional Plan Features
Initial Diagnosis benefits: Provides benefits when diagnosed with a different covered condition. A [6-]month separation period applies
Recurrence Diagnosis benefit: Provides additional benefits for subsequent or same covered conditions for which a customer has received a previous payment. A 12-month separation period applies
Wellness Incentive benefit: Benefit of $50 per covered person, per calendar year, for a health screening test. Eligible tests include (but are not limited to) mammography, chest X-ray, blood tests
Maximum Lifetime Limit: The lesser of five times the elected benefit amount or $100,000 per covered person. (Does not apply to skin cancer or health screening benefits)
Auto Compare: If you are also enrolled in medical, Cigna will review eligible medical coverages and automatically remind you to submit your Supplemental Health Claim.
Guaranteed Issue: You may obtain coverage regardless of your previous medical history; benefits will cover services, accidents or illnesses that occur after you enroll in coverage.
Portability: The same coverage may be continued upon an employee’s termination of employment or when the employee is no longer eligible for coverage. Coverage(s) may be ported on all Covered Persons.
Voluntary Critical Illness Monthly Rates
Rates vary by age bracket and coverage election level; rates will automatically calculate for you during the enrollment process.
$5,000 Guaranteed Issue
Age | Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family |
|---|---|---|---|---|
0-29 | $1.02 | $1.69 | $1.42 | $2.09 |
30-39 | $1.62 | $2.91 | $2.02 | $3.31 |
40-49 | $3.32 | $5.82 | $3.72 | $6.22 |
50-59 | $7.86 | $12.31 | $8.26 | $12.71 |
60-69 | $12.49 | $19.15 | $12.90 | $19.55 |
70-79 | $19.70 | $30.55 | $20.10 | $30.95 |
80+ | $37.67 | $57.98 | $38.07 | $58.38 |
$10,000 Guaranteed Issue
Age | Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family |
|---|---|---|---|---|
0-29 | $2.03 | $3.38 | $2.83 | $4.17 |
30-39 | $3.24 | $5.81 | $4.03 | $6.62 |
40-49 | $6.64 | $11.64 | $7.43 | $12.44 |
50-59 | $15.71 | $24.62 | $16.52 | $25.41 |
60-69 | $24.98 | $38.30 | $25.79 | $39.10 |
70-79 | $39.40 | $61.10 | $40.19 | $61.90 |
80+ | $75.33 | $115.95 | $76.13 | $116.75 |
$20,000 Guaranteed Issue
Age | Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family |
|---|---|---|---|---|
0-29 | $4.06 | $6.76 | $5.66 | $8.34 |
30-39 | $6.48 | $11.62 | $8.06 | $13.24 |
40-49 | $13.28 | $23.28 | $14.86 | $24.88 |
50-59 | $31.42 | $49.24 | $33.04 | $50.82 |
60-69 | $49.96 | $76.60 | $51.58 | $78.20 |
70-79 | $78.80 | $122.20 | $80.38 | $123.80 |
80+ | $150.66 | $231.90 | $152.26 | $233.50 |
Register on myCigna Today!
With access to myCigna, it’s easier than ever to manage your Cigna HealthcareSM Supplemental Health insurance benefits. We’ve enhanced our online self-service platform, so you can feel more in control, no matter what life brings.
The new personalized experience makes it more convenient for you to access benefit information and to take advantage of those benefits. And you can access myCigna.com® online or on the myCigna® mobile app*.
Your myCigna Enhancements include:
- File a claim online – submit your claims directly through a streamlined experience that’s personalized to your benefits – for faster claim processing.
- Track claim status – access your claim status 24/7/365 online or via the mobile app.
- View correspondence and Explanations of Benefits (EOBs) – view relevant information about your claims.
- View benefit summary information and dependent coverage (if applicable) – view important information and documents related to your Supplemental Health plans.
- Direct Deposit of cash benefits – enroll in direct deposit to receive your funds even faster.
Click here to register now: myCigna.com