SUPPLEMENTAL BENEFITS
Group Hospital Confinement Indemnity Insurance 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.
Colonial Life’s Hospital Confinement Indemnity Insurance plan offers added financial protection for those out-of-pocket costs related to a covered accident or a covered sickness. An outpatient surgical procedure benefit can help cover the costs associated with a covered surgical procedure. Maximum of $1,500 per covered person per calendar year for Tiers 1 and 2 combined.
Benefit
Tier 1 Procedures: $500 benefit Tier 2 Procedures: $1,000 benefit
Breast
Axillary node dissection, Capsulotomy, Reconstruction, Lumpectomy
Reduction
Cardiac
Pacemaker insertion
Angioplasty, cauterization
Digestive
Colonoscopy, Fistulotomy, External Hemorrhoidectomy, Lysis of adhesions Laparoscopic hernia repair, skin grafting Adenoidectomy, removal of oral lesions, myringotomy, tracheostomy, tonsillectomy
Exploratory laparoscopy, Laparoscopic appendectomy / cholecystectomy
Skin
N/A
Ear/Nose/Throat/Mouth
Ethmoidectomy, Mastoidectomy, Septoplasty, Stapedectomy, Tympanoplasty, Tympanotomy Cataract surgery, Corneal surgery, Glaucoma surgery, vitrectomy
Eye
N/A
Gynecological
Dilation & Curettage, Endometrial ablation, Lysis of adhesions
Myomectomy
Liver
Paracentesis
N/A
Musculoskeletal System
Carpal/cubital repair or release, Dislocation other than finger or toe, Foot Surgery, Fracture other than a rib, finger or toe, Removal of orthopedic hardware, Removal of tendon lesion
Arthroscopic knee surgery with meniscectomy (knee cartilage repair), Arthroscopic shoulder surgery, Clavicle resection, Dislocations and Fractures (ORIF – open reduction with internal fixation), Removal or implantation of cartilage, tendon/ligament repair
See page 25 for employee premiums
Thyroid
N/A
Excision of a mass
See page 30 for employee premiums
CONMB Employee Benefit Guide 2025
25
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