Critical Illness Insurance

Potential out-of-pocket costs for a serious illness include copays, deductibles, experimental treatments, travel, childcare, and household help. The financial impact of a critical illness can be major, or even devastating.

The Critical Illness plan can offer financial peace of mind, paying a lump sum directly to you for each covered diagnosis.

See Covered Illnesses

Benefit Features

Your choice of $15,000 or $30,000 coverage
No medical underwriting necessary
Annual health screening benefit of $50 for the $15,000 plan, or $100 on the $30,000 plan

Covers recurring illnesses
180 day suspension period between recurrences
Receive up to 3x the maximum coverage amount if diagnosed with more than one critical illness

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Here's a quick overview:

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Covered Events

Critical illness coverage is available at the $15,000 or $30,000 level. When a listed health condition is diagnosed, benefits will be paid up to the covered insurance level, either in full or partial amounts as listed below.

Full Benefit Conditions, Paid 100%

Cancer (certain types)
Heart attack
Severe stroke
Kidney failure
Coronary artery bypass graft
Alzheimer’s disease
Major organ transplants

Partial Benefit Conditions, Paid at 25%

Addison’s Disease
Lou Gehrig’s Disease
Bacterial Meningitis
Cerebral Palsy
Cystic Fibrosis
Diphtheria
Encephalitis
Huntington’s Disease
Legionnaire’s Disease
Lupus
Malaria

Multiple Sclerosis
Muscular Dystrophy
Myasthenia Gravis
Necrotizing Fasciitis
Osteomyelitis
Poliomyelitis
Rabies
Sickle Cell Anemia
Scleroderma
Tetanus
Tuberculosis

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Health Screening

There's also an annual health screening benefit for participants after a 30 day waiting period. See your plan summary for details.

$15,000 plan:

$50 health screening benefit

$30,000 plan:

$100 health screening benefit

Answers to Your Questions

Even with great medical insurance, a major illness can hit your wallet hard. Between deductibles, co-pays, and potentially lower income while you recover, out-of-pocket costs add up fast.

You can hold it concurrently with your other plans, and receiving a benefit from one will not interfere with receiving a benefit from the other for the full amount.

Several benefits are paid the full benefit at 100%, and a number at 25%.

See the list

You can receive up to three times the maximum coverage amount if diagnosed with more than one critical illness.

Your plan will pay a recurrence benefit for these conditions: heart attack, stroke, coronary artery bypass graft, and cancer. There is a 180 day suspension period between recurrences.

Critical illness insurance complements your other benefits and operates completely independently from them. You can hold it concurrently with your other plans, and receiving a benefit from one will not interfere with receiving a benefit from the other for the full amount.

As long as the employee is actively employed, the employee, spouse, and eligible dependents are guaranteed coverage. No medical exam is necessary.

Since you won't need to present your Critical Illness coverage to any medical providers, you do not need an ID card for this benefit.

You can take this benefit with you if your employment ends.

The contracted cost through your company may differ from your individual cost, and deductions will no longer be taken via payroll. Payment and continuation of benefits are your responsibility after employment ends, arranged directly with the benefit provider.

When you receive a diagnosis for a covered illness, simply complete and submit a claim form (see plan documents). You can also call 1-800-GET-MET8 (800-438-6388) for assistance.

For each covered diagnosis, a lump-sum payment is made directly to you, not to a doctor or hospital. You can spend the money however you choose.

Absolutely. Your coverage is 100% guaranteed, meaning there are no medical exams to take and zero health questions to answer. As long as you are actively at work, you’re covered. Getting financial peace of mind couldn’t be easier.

When it's time to enroll, you can view pricing for all plan options right in your Elevate by Nextep™ account or mobile app. As you click through the enrollment screens, a running tally will track and display your monthly costs in real time.

Need help choosing? Use the built-in Decision Support tool to get tailored benefit recommendations based on your unique lifestyle and budget.

Yes, the benefit payment is yours to use as you see fit. You have the flexibility to apply those funds toward medical deductibles, copayments, or even general living expenses.

The money goes straight into your pocket; never to doctors, hospitals, or clinics. You will receive a check made out directly to you so you can use the cash exactly where you need it most.

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