Voluntary Medical Benefits

Supplemental medical plans from Lincoln Financial provide cash payments in the event of a significant unexpected medical expense. On their own, these plans don’t provide comprehensive medical coverage for your day-to-day health care needs. Rather, they’re intended to supplement the coverage provided by your primary medical plan.

You pay the full cost of coverage through post-tax payroll deductions. Be sure to consider your anticipated medical needs for the coming year — for example, a major surgery — when deciding if supplemental coverage is right for you.

Note: You can continue your supplemental medical coverage if you leave WinnCompanies.

Critical illnesses, such as heart attack, stroke, cancer or organ failure, are usually unexpected and may not be preventable. Recovering from a serious illness often brings significant expenses other than medical costs, which can amount to thousands of dollars.

Critical Illness Insurance from Lincoln Financial can help with the treatment costs of covered critical illnesses and enhance your medical plan, giving you the flexibility to pay bills related to treatment or to help with everyday living expenses.

Plan highlights:

• Coverage is guaranteed issue, which means you may qualify for coverage without having to answer any health questions
• Pays a lump-sum cash benefit directly to you to help cover out-of-pocket expenses associated with a covered critical illness
• Pays in addition to existing medical insurance benefits
• Pays upon diagnosis of a covered condition
• Examples of covered conditions include: cancer, heart attack, stroke, major organ transplant, end stage renal failure*

For additional plan details, visit the Aptia365 website.

*Not a guarantee of coverage. Benefits vary by state. Review plan documents to verify covered benefits.

A trip to the hospital can be stressful, and so can the bills. Even with a comprehensive medical plan, you may still have out-of-pocket expenses. When you’re recovering, the last thing you need to worry about is how much it will cost to get better.

Hospital Indemnity Insurance from Lincoln Financial offers financial protection when you’re hospitalized due to a covered illness or injury. Benefits can help with the hospital bill or everyday expenses.

Plan highlights:

• Collect a lump-sum benefit each day you’re in the hospital
• No coinsurance, copays, waiting periods or deductibles
• Benefits are paid directly to you, in addition to other insurance you may have
• Benefits are provided for hospital admission and daily hospital confinement*

For additional plan details, visit the Aptia365 website. More information can also be found in the detailed plan certificate posted on the Employee Resources page on Winntranet.

*Not a guarantee of coverage. Benefits vary by state. Review plan documents to verify covered benefits.

IMPORTANT:

This is a fixed indemnity policy, NOT health insurance

This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.

• The payment you get isn't based on the size of your medical bill.
• There might be a limit on how much this policy will pay each year.
• This policy isn't a substitute for comprehensive health insurance.
• Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

• Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
• To find out if you can get health insurance through your job, or a family member's job, contact the employer.

Questions about this policy?

• For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under “Insurance Departments."
• If you have this policy through your job, or a family member's job, contact the employer.

Voluntary Accident Insurance from Lincoln Financial helps protect you from unexpected financial stress if you or a covered family member has an accident. It pays benefits based on your injury and the treatment you need, including emergency-room care and related surgery. The benefit can help offset the out-of-pocket expenses that your medical insurance may not cover, including deductibles and copays. This coverage is voluntary and paid by you. Family coverage is available.

Plan highlights:

• Receive cash benefits to help cover out-of-pocket expenses associated with a covered accident
• Pays in addition to existing medical insurance
• Pays benefits for each covered occurrence
• Examples of covered services include: emergency room, hospitalization, doctor’s visits, physical therapy*
• Additional benefits available for certain injuries, such as dislocations, fractures, burns and lacerations*

For additional plan details, visit the Aptia365 website. You can also find more information on the Employee Resources page on Winntranet.

*Not a guarantee of coverage. Benefits vary by state. Review plan documents to verify covered benefits.