Supplemental Medical Accident Insurance
Accidents happen, and unexpected injuries can lead to unanticipated costs that can strain your finances
Supplemental Medical Accident Insurance Coverage, from Cigna, helps cushion the impact of an accident by providing a cash benefit you can use for copays, deductibles, non-medical bills and other expenses your medical plan and other insurance does not cover.
When an accident that leads to injury occurs, you receive a cash benefit to use as you see fit, no matter what your medical plan covers. You can purchase coverage for yourself, you and your dependent children under age 26, you and your spouse, or you and your family – to meet your needs and budget:
- There are no age restrictions to enroll.
- Benefits cannot be reduced due to age.
- You, your spouse and your children are eligible for the same benefit amounts.
You can enroll in this coverage even if you do not enroll in one of the AutoNation medical options.


Some Key Features of the Supplemental Medical Accident Plan
- Coverage is available for employees, spouses, and dependent children
- Guaranteed acceptance – no medical questions asked
- Benefits available immediately after your AutoNation coverage effective date
- Additional benefits paid for treatment of injuries received by a dependent child participating in an organized sport
- Health Screening benefit included
- No benefit reductions after a certain age
- Portable – you can continue coverage if you are no longer an eligible employee
If you or an enrolled family member had an accident that led to an injury prior to 1/1/2023 you will need to file a claim with Aetna. Click the link below for instructions to file a hospital insurance claim with Aetna.
Health Screening Benefit
For example, if my spouse and I are enrolled in the plan and we complete 1 health screening each that qualifies for the benefit (such as the MSRP Biometric Screening), we can submit the claim and we would get $130 in health screening benefits for that year.


Additional Resources
Below you will find the member portal where you can find additional information and the certificate of coverage.