Supplemental Healthcare Benefits
What to Know
DuPont offers supplemental healthcare benefits through MetLife to offset the cost of healthcare by providing cash payments to you in the event of a hospital stay, critical illness, or major accident.
Supplemental Healthcare Overview
Many times, medical coverage only covers a portion of the expenses associated with treating a critical illness, a major accident, or a hospital stay. Plus, additional costs associated with recovering, like child care and transportation, may be left up to you.
Hospital Indemnity Insurance, Critical Illness Insurance, and Accident Insurance provide cash payments to help you pay for unexpected costs that your existing DuPont medical coverage may not cover. All benefits-eligible employees can enroll in supplemental healthcare benefits during their enrollment window.
Hospital Indemnity Insurance
While in the hospital, you’ll inevitably receive treatments, tests, and therapies to get you or your loved one back to feeling healthy. Expenses like plan deductibles, copays, and extra costs for out-of-network care can add up quickly. Even the highest-quality medical coverage cannot cover all these expenses, so taking steps to financially protect yourself and your family can make a big difference.
That’s where Hospital Indemnity Insurance comes in. During your enrollment window, you can enroll in Hospital Indemnity Insurance. It safeguards your finances by providing you a lump-sum benefit payment to spend however you like in the event of a hospital stay due to an accident or sickness.
Coverage Choices and Covered Services
You can choose from two plan options — the basic option and the enhanced option — to cover yourself, your spouse/domestic partner, and your child(ren). Both plans provide the following benefits for hospitalization due to accidents and sicknesses:
- Hospital stays
- Intensive care unit stays
- Inpatient rehab unit stays
- Newborn nursery care
Accidents can happen anytime, anywhere, and when you least expect them. The reality is that many people are not financially prepared to handle the extra costs of emergency care.
For a covered event, Accident Insurance provides a benefit payment directly to you. Like the other supplemental healthcare insurances, you can spend these funds on anything you need, such as those extra medical bills or the added out-of-pocket family expenses that arise while you recover.
Coverage Choices and Covered Services
You can choose from two coverage options — the basic option and the enhanced option — to cover yourself, your spouse/domestic partner, and your child(ren). Both options provide benefits for injuries associated with accidents, such as:
- Fractures and dislocations
- Skin grafts
- Broken teeth
- Cuts or lacerations
- Second- and third-degree burns
- Ruptured disc
- Eye injuries
It’s important to note that Accident Insurance also covers an array of medical services that come with treating the injuries from your accident, such as:
- Inpatient and outpatient surgery
- Medical testing benefits (e.g., X-rays, MRIs, CT scans)
- Physician follow-up visits
- Transportation and home modifications
- Therapy services
Critical Illness Insurance
Handling the emotions that come up when experiencing illnesses such as a cancer diagnosis, heart attack, or stroke is very difficult. Worrying about finances on top of this can be overwhelming.
Like Hospital Indemnity Insurance, Critical Illness Insurance provides financial support for expenses that may not be covered by your DuPont medical coverage if you or your loved one is diagnosed with a critical illness. These expenses include copays, deductibles, and experimental treatments. Coverage is also available for other expenses during your illness, such as child care, your mortgage, and groceries, just to name a few.
Coverage Choices and Covered Conditions
You can choose from two coverage options for yourself, your spouse/domestic partner, and your child(ren): coverage option 1 provides a $10,000 benefit, and coverage option 2 provides a $20,000 benefit.
Depending on which option you enroll in, your Critical Illness Insurance will provide you with a lump-sum payment if you receive a verified diagnosis of any of these conditions, plus more:
- Invasive and non-invasive cancer
- Skin cancer
- Kidney failure
- Heart attack
- Major organ transplant
- Coronary artery bypass graft
- Alzheimer’s disease
- Sudden cardiac arrest
- 7 childhood diseases
- 11 infectious diseases
- 6 progressive diseases
- Benign brain tumor
- Loss of the ability to speak, hear, or see
Early-detection health screening benefits
If you enroll in Critical Illness Insurance, you also receive an extra $50 annual benefit per calendar year on top of your total benefit amount when you see your physician for eligible health screenings or preventive measures. That’s care you can count on!
How to Start a Claim
If you’re enrolled in Hospital Indemnity Insurance, Critical Illness Insurance, or Accident Insurance and need to start a claim, follow these steps:
- Visit MetLife’s website or download the MetLife mobile app to view your certificate of insurance and initiate your claim.
- Answer a few questions about what happened and upload medical documentation to support your claim. Once all documentation has been uploaded, claims are typically processed within 10 business days.
- Once your claim is approved, you’ll receive a check made out to you to use however you’d like.
If you have questions, visit MetLife’s website or call 1-855-638-3944.