Supplemental Hospital Insurance
Supplemental hospital insurance prepares you for the unexpected.
The road ahead has many twists and turns, especially when it comes to your health. Whether you plan for a medical procedure or an illness or injury takes you by surprise, an inpatient hospital stay can create unexpected out-of-pocket costs or may result in lost wages that can put a serious dent in your finances.
Supplemental hospital insurance, from Cigna, can help eliminate the stress of unexpected costs like these by putting cash in your pocket that you can use any way you wish.
You can enroll in this coverage even if you do not enroll in one of the AutoNation medical options.
Paid Directly to You, To Use Any Way You Want
Unlike your medical plan, which pays benefits directly to a hospital or other provider, your supplemental hospital insurance pays a benefit directly to you, so you have extra cash when you need it most. When you or a covered dependent is admitted to the hospital for a covered surgical procedure, illness, injury, or having a baby, your supplemental hospital insurance pays a cash benefit based on your specific medical situation and the length of your hospital stay. You receive a lump sum for the inpatient admission plus a daily benefit, up to the limits of your coverage.
The cash is yours to use any way you want. Use it to cover your copays, deductibles, or coinsurance; pay your rent, utility bills, or groceries; or even finance a vacation once your hospital stay ends. The choice is yours.
Get coverage for yourself and for your family too!
Supplemental hospital insurance is available to you and your dependents and pays cash benefits for a wide range of procedures, illnesses, and injuries that require an inpatient hospital stay.
If you or an enrolled family member was admitted to the hospital for a covered reason prior to January 1, 2023, you will need to file a claim with Aetna. Click the link below for instructions on how to file a hospital insurance claim with Aetna.
Health Screening Benefit
Associates who have critical illness and/or supplemental hospital are eligible to earn a $50* health screening benefit once per year, per member, per plan.
For example, if I am in both plans, and I also have my spouse in both plans, and we complete one health screening each that qualifies for the benefit (such as the MSRP Biometric Screening), we can submit a claim, and we would be eligible for $200 in health screening benefits for that year.
*Supplemental medical accident insurance is eligible for a $65 health screening benefit, which is why it is not included in the example.
Make sure to review the “Approvable Health Screenings” for each of the plans that you have; the list varies slightly by plan.
Below you will find the member portal where you can find additional information and the certificate of coverage.