Ancillary Benefits for a Healthier You

Affordable and flexible supplemental insurance that pays you cash

Accidents and illnesses happen that may cause disruption to daily life — both physically and financially. Florida Blue is here to help you find a supplemental plan that is right for you.

Understanding the different types of supplemental benefits

A critical illness or injury can cost you time and money. They can also add pressure to your family. Supplemental insurance plans can help by paying you cash if you suffer an injury, illness, or you need to stay in the hospital.

Say you slip and fall on a wet floor and break an arm, causing you to miss work. Your medical insurance will help pay your medical bills, but what about the other bills that pile up while you cannot work?

Supplemental insurance benefits pay you cash that you can use for anything you need, such as:

Medical and
non-medical expenses

Household
expenses

Childcare
expenses

Buying groceries
and other essentials

Supplemental insurance plans are designed to pay you in the event of an injury, illness, or hospital stay. Plans are affordable, and easy to file claims. Cash benefits are paid quickly after a claim, providing you with financial support when you need it most.

Prepare for the unexpected with Accident insurance

An accident can be disruptive to daily life, both physically and financially. Whether you, your spouse, or your children suffer an injury from a sports activity or do something as simple as fall off a ladder, accident coverage will ensure you and your family are prepared for the unexpected. With Accident insurance, you can enjoy the peace of mind of knowing that you’re financially prepared.

Pays an accidental death benefit
Can be used to cover medical and nonmedical expenses
Pays in addition to any other insurance you may have
Available for individuals, spouses, and dependent children
Wellness benefit included for covered preventive tests
Policy is guaranteed renewable and cannot be canceled as long as the premiums are paid on time

How it works

For example, you purchase one of our Accident Plans and later that same year, you fall off a ladder and suffer a fractured elbow and internal injuries. In addition to what your major medical insurance pays, an Accident Plan may pay¹:

$300 for ambulance transportation
$1,260 for internal injuries
$200 for emergency room treatment
$320 for two follow-up physician visits
$930 for a fractured elbow
$200 for five physical therapy sessions

= $3,210 in total cash benefits paid directly to you!

Shop Accident Plans

Hospital Indemnity insurance offers an extra layer of protection

The costs associated with a prolonged hospital stay can be overwhelming if you’re unprepared. Bills can pile up quickly and linger for years, leaving a lasting effect on everyone in the household. Hospital Indemnity insurance offers an additional layer of financial protection and pays you to help cover a variety of expenses in the event of a hospital stay.²

Can be used to cover medical and nonmedical expenses
Pays in addition to any other insurance you may have
Available for individuals, spouses, and dependent children
Three plans to choose from
Policy is guaranteed renewable as long as premiums are paid on time
Rates don’t increase due to age (policyholder is locked into rate for age at effective date)

How it works

For example, you purchase one of our Hospital Indemnity Plans and later suffer an illness that requires ambulance transport as well as a two-week hospital stay, including five days in intensive care. In addition to what your major medical insurance pays, a hospital indemnity plan may pay¹:

$1,500 for hospital admission
$150 for hospital confinement (nine days)
$250 for ambulance transportation
$500 for ICU confinement (five days)

= $5,600 in total cash benefits paid directly to you!

Shop Hospital Indemnity Plans

Critical Illness insurance offers peace of mind

The last thing you should worry about when you’re dealing with a serious medical condition is money. Whether it’s a stroke, a heart attack, or even cancer, Critical Illness insurance provides lump-sum payments directly to you when a covered critical illness is diagnosed. If you’re faced with a serious illness, Critical Illness insurance offers you an additional layer of financial protection.

Can be used to cover medical and nonmedical expenses
Pays in addition to any other insurance you may have
Available for individuals, spouses, and dependent children
Benefit amount options up to $50,000
Rates don’t increase due to age (policyholder is locked into rate for age at effective date)

How it works

For example, you purchase one of our Critical Illness Plans and later suffer a heart attack. The following year, you are diagnosed with internal cancer. In addition to what your health insurance pays, a Critical Illness Plan may pay¹:

$15,000 for a heart attack diagnosis (initial payout)
$15,000 for a subsequent cancer diagnosis (secondary payout)

= $30,000 in total cash benefits paid directly to you!

Shop Critical Illness Plans

Be prepared for the unexpected

Life is full of unexpected twists and turns, and medical emergencies can be costly and unpredictable. But with accident insurance, hospital indemnity, and critical illness coverages, you can be prepared for the unexpected. These supplemental benefits can help you stay on top of medical expenses, reduce financial stress, and focus on what really matters — your health and well-being.

Call 1-855-898-2665

Supplemental products are offered by USAble Life. USAble Life is an independent company and operates separately from Florida Blue.

THIS IS A LIMITED BENEFIT POLICY THAT DOES NOT PROVIDE COVERAGE FOR ILLNESS OR DISEASE. Coverage is subject to policy provisions on renewability, cancelability, modification, and termination. For more information, please visit usablelife.com/productdisclaimers/floridaretail.

¹This provides a brief description of Supplemental insurance. This is not an insurance policy. Limitations and exclusions may apply, and coverage may be reduced or terminated due to lack of eligibility. Please read the insurance policy carefully.

USAble Life^SM is used with the consent of USAble Mutual Insurance Company.

²IMPORTANT: 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 online 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.