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Supplemental Insurance

Supplemental Insurance Plans

Accident Insurance (through The Hartford)

NEW FOR 2027!

With one in four U.S. families opting out of medical care due to costs, Accident Insurance is key to creating a comprehensive benefits package. It complements other benefits and can help close the financial gap left by traditional healthcare insurance. When combined with Critical Illness or Hospital Indemnity Insurance, Accident Insurance provides an affordable and complete benefits package at a low cost to you.

This supplemental insurance plan, provided through The Hartford, provides cash benefits for more than 80 accidental injuries in each of the following coverage categories:

  • Initial and Emergency Care Benefits (Emergency transportation, emergency room/urgent care, diagnostic exams
  • Follow-up Care Benefits (Telemedicine, therapy services, medical travel)
  • Optional Benefits (Line of duty injury, organized sports injury, motor vehicle injury)
  • Hospital/ Confinement Care Benefits (Hospital admission, step down unit confinement, hospice)
  • Specific Injury Benefits (Brain injury, burns and lacerations, dislocations and fractures)
  • Surgery Benefits (Joint replacement, hernia repair, abdominal/cranial/thoracic surgery)
  • Catastrophic Benefits (Accident death and dismemberment, coma, paralysis)
Premium Rates

 

For more information, please click on the following links:

 

Critical Illness Insurance (through The Hartford)

NEW FOR 2027!

Critical Illness Insurance provides a lump-sum payment upon diagnosis of a covered illness, such as cancer, heart attack, or stroke. This benefit can be used to cover medical expenses, lost income, or other financial burdens, offering peace of mind and financial support during a challenging time.

Premium Rates

Rates for this plan vary by age. Please click on the Critical Illness Insurance Informational Flyer (see below) for details.

 

For more information, please click on the following links:

 

Hospital Indemnity Insurance (through The Hartford)

NEW FOR 2027!

To support your financial wellbeing, Manatee County Government is offering Hospital Indemnity for all benefit-eligible employees. This coverage is paid by you and is available for yourself and your eligible dependents. This benefit offers cash payments if you’re admitted to the hospital due to illness or injury. The payments can help offset the costs associated with a hospital stay and give you flexibility to use the money where you need it most. You must be actively at work with your employer on the day your coverage takes effect. Use the funds for things like:

  • Hospital Admission Fees
  • Transportation
  • Lodging for Family
  • Recovery Support Services
Premium Rates

 

For more information, please click on the following links:

 

Short-Term Disability Insurance (provided by The Hartford)

Short-Term Disability insurance is designed to help protect your income if you’re hurt or sick and can’t work. It provides:

  • A percentage of your income every week
  • A way to help pay the bills
  • The support to help you get back on your feet and back to work safely
  • Affordable group rates with convenient payroll deductions
Plan Details
  • Provides 60% of your pre-disability earnings up to a maximum of $1,000 per week
  • Benefits begin on the 15th day of your approved disability (after filing a successful claim), and end after 13 weeks of not being able to work in your own occupation
  • Pre-existing condition exclusions apply
  • Policy includes maternity benefits - click here for Frequently Asked Questions about maternity benefits under the plan

 

For additional questions about your Short-Term Disability policy, please contact The Hartford, toll-free at 1-800-549-6514, or see the information below:

 

Additional Long-Term Disability Insurance (provided by The Hartford)

Please note: The Manatee YourChoice Plan fully funds the cost of a Core (basic) Long-Term Disability Insurance policy for all employees who are eligible for Manatee YourChoice Health Plan benefits. Information on an optional upgrade (Additional Long-Term Disability) is listed below.

Long-Term Disability is a benefit that allows you to receive cash benefits if you become disabled (supported by submission of medical documentation) and are unable to work for more than 90 days. The Core policy (funded 100% by your employer) pays out benefits equal to 50% of your base monthly salary, with a maximum benefit of $3,000 per month. By upgrading to the Additional Long-Term Disability coverage, the benefit increases to 66-2/3% of your base monthly salary, with a larger maximum benefit of $5,000 per month. In some cases, these benefits can be paid out until your Social Security age or longer. 

Plan Details

Your premiums are determined by your age (in five-year age bands) and salary. Current rates can be found within the Benefit Express portal during enrollment. Each year your premium may change if your age change moves you into a new age bracket and/or if your salary increases or decreases.

For additional questions about Long-Term Disability, please contact The Hartford, toll-free at 1-800-549-6514, or see the information below:

 

Beyond Med

Beyond Med is a licensed discount plan organization (DPO). A DPO is an easy-to-use, affordable method to gain access to medical services without using traditional health benefits. What differentiates Beyond Med is that it provides access to elective health care procedures that may not be covered under our health insurance benefits. 

With your Beyond Med membership, you will enjoy quality treatments and will save an average of 20% or more on numerous procedures through participating providers. There are no limitations to the number of times you can get discounts on services from these providers.

This benefit can be selected for Employee Only or Employee + Family, and the premium cost will be deducted from your bi-weekly paycheck on a post-tax basis.

Premiums
 Employee Only   Employee + Family 
 $6.00  $12.00

 

Plan Details
  • All enrolled employees will receive a welcome email with a link to their portal, where they can access their digital Beyond Med ID card. Members may download or print the card, or simply present it on their phone at the point of service.
  • Beyond Med is a membership-based discount plan offering access to services often not covered by standard insurance (elective, wellness, cosmetic, alternative treatments, etc).  
  • Includes concierge/support service to help members find participating providers in the Beyond Med network and assist with booking/coordination.
  • Members can save an average of 20% or more on procedures when using participating providers in the Beyond Med network.
  • This discount plan cannot be combined with insurance benefits. Always check with Aetna to confirm whether a service is covered so you can choose the best option for your situation. 
  • Services include, but are not limited to: Fertility, Plastic Surgery, Anti-Aging & Wellness, Functional Health, Menopausal Support, Surgical Vision, Hearing Devices, Med Spa, Dermatology, and Weight Loss (including prescription drugs for weight loss).
Additional Resources

 

For additional questions about Beyond Med, click here.