Supplemental Medical

Huber offers you three supplemental medical plans through Voya. You can enroll in any combination of these plans as a new hire, during Annual Enrollment, or if you have a qualified life status event. You pay the full cost of coverage through after-tax paycheck deductions. To see your employee contributions and enroll, log in to COMPASS (or visit COMPASS through single sign-on access when inside the Huber Network if you have already registered.

2024 supplemental medical plans

Key features at a glance

Supplemental medical plans provide:

Cash benefits

that you can use to pay expenses not covered by your primary medical coverage.

Flexibility

to spend your benefit payment on whatever costs you’re facing, including medical bills, transportation costs, child care fees, and daily living expenses.

Financial protection

against the high costs often associated with accidental injuries, a serious illness, or a hospital stay.

Wellness rewards

for completing health screening tests — covered employees and spouses can each earn up to $50 in cash rewards and $25 for each covered child every year.* The wellness rewards are included with your accident, critical illness, and hospital indemnity insurance, at no additional cost to you.

Portability

if you leave Huber or retire, allowing you to take the policy with you and select from a variety of payment plans.

* Maximum of $100 for all covered children per calendar year

Accident insurance supplements your primary medical plan by providing cash benefits for specific injuries and events resulting from a covered accident. These benefits can help ease the financial stress that comes with an accidental injury.

Accidents can happen any time and the expenses from an accidental injury, like a fracture or dislocation, can add up quickly. The actual benefit amounts paid depend on the type of injury you sustain and the medical services you need. You can use your benefit payments for things like lost time from work, mortgage/rent payments, copays, deductibles, and everyday living expenses.

Getting life back on track after a covered illness is challenging enough. Critical Illness coverage can help with expenses that may arise when you experience a covered illness or condition, such as a heart attack, cancer, or stroke. If you’re diagnosed with a covered illness, you receive a lump-sum benefit payment to help cover out-of-pocket expenses for your treatment that are not covered by your medical plan. You also can use the money to take care of other expenses, such as housekeeping services, special transportation, and day care. 

Your level of coverage will vary depending on whether you elect coverage for just yourself or your eligible dependents, too. To elect coverage for your dependents, you must enroll yourself for coverage. 

The maximum covered benefit you can purchase is:

• $10,000 for yourself 
• $10,000 for your spouse
• $5,000 for your child(ren)

You can enroll in Critical Illness insurance during Annual Enrollment without having to provide Evidence of Insurability (EOI). Benefits are not paid for any critical illness diagnosed before your coverage effective date.

Hospital stays aren’t cheap. And even with medical insurance, there are still a lot of out-of-pocket costs to consider. A Hospital Indemnity plan pays a daily benefit if you have a covered stay in a hospital, helping to offset your share of the costs associated with a covered hospitalization and related services, such as ambulance transportation, surgery, and certain inpatient or outpatient treatments. 

These benefit payments can be used for any purpose, such as lost time from work, mortgage/rent/utilities, copays/deductibles/coinsurance, home health care expenses, and childcare expenses.