UNUM Hospital Indemnity Insurance
TWU 556 is proud to offer is members a hospital confinement plan from UNUM Insurance.
Hospital Indemnity Insurance plan provides you with additional out-of-pocket protection for services including hospital confinement and emergency room visits. Benefits for these types of services help you offset the larger financial exposures of your health insurance plan including deductibles and co-insurance.
Why is this coverage so valuable?
Wellness Benefit: This benefit pays $50 per year per covered insured.
Two plans available: High Plan and Low Plan. Pick what fits you best.
Outpatient vs Wellness benefits:
In order for a benefit to be paid under Tier 1 outpatient benefit and not under a wellness benefit (colonoscopy for example) the procedure would need to be performed relative to a covered accident or sickness rather than just part of a routine physical or annual wellness exam. Please check the brochures and definitions carefully.