SUPPLEMENTAL BENEFITS
Group Accident Insurance - Continued
Example Alex was cleaning out the gutters when he fell.
Emergency Room Visit
Alex was taken by ambulance to the nearest emergency room and received immediate care.
Diagnostic Procedure
The doctor ordered an x-ray and discovered Alex had fractured his leg.
Hospital Confinement
Alex was admitted to the hospital for surgery on his leg. He was confined for three (3) days.
Appliance For Mobility
Alex used crutches.
Physical Therapy
Alex had eight (8) sessions of physical therapy to help him regain the strength in his leg.
Doctor’s Office Visit
Over the next several weeks, he had three (3) follow-up appointments with this doctor.
Alex’s Benefits
Ambulance
$300
Emergency Room
$150
X-ray
$60
Hospital Admission
$1,000
Hospital Confinement
$750
Leg Fracture (surgical)
$3,600
Physical Therapy
$360
Appliance (crutches)
$100
Doctor’s Follow-Up Visit
$150
Total
$6,470
Alex’s Out-of-Pocket Expenses
When Alex totaled up his bills, he had to pay his annual deductible, as well as co-payments for the ambulance, emergency room, hospital, surgery, physical therapy and follow-up visits. Luckily, Alex had accident coverage to help with these expenses.
See page 30 for employee premiums
CONMB Employee Benefit Guide 2025
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