Critical Illness Insurance
Useful Links, Contacts
1-888-444-5854, option 1
Effective January 2020, the vendor for Critical Illness Insurance will change from MetLife to UnitedHealthcare (UHC) and expanded plan design options will be offered. Those currently enrolled in the MetLife plan will need to re-enroll in the UHC plan during open enrollment held Nov 1-30, 2019 in order to be covered under the new plan.
MetLife had advised us that they will send a letter to current participants (less than 300 at UAMS) of their option to maintain coverage through home billing.
Critical illnesses are not as uncommon as you might think. 1.5 million Americans suffer heart attacks and strokes each year and about 1.7 million new cancer cases are diagnosed. This plan will pay money directly to you in a lump-sum should you be diagnosed with a covered critical illness. You may use this payment as you see fit, such as paying for copays and deductibles, travel to treatment centers, child care, or other expenses not covered by your health insurance. This is a stand-alone plan; you don’t have to be in a UA medical insurance plan to enroll.
- Guarantee issue coverage if enroll during annual open enrollment or in first 30 days as a newly eligible employee. No medical history questions to answer.
- No pre-existing condition exclusion; however diagnosis must occur after your coverage begins.
- $50 annual wellness credit for completing health screenings tests such as Mammogram, Colonoscopy, Chest X-rays, and Bone Marrow Testing.
- Plan pays 100% for these base conditions: Cancer-Invasive, Chronic Renal Failure, Heart Attack, Heart Failure, Major Organ Failure, Stroke, Advanced Alzheimers.
- Plan pays 25% paid for these conditions: Coronary Artery Disease, Addison’s Disease, Amyotrophic Lateral Sclerosis (ALS), Cerebral Palsy, Cerebrospinal Meningitis, Cystic Fibrosis, Diphtheria, Encephalitis, Huntington’s Disease, Legionnaire’s Disease, Malaria, Multiple Sclerosis, Muscular Dystrophy, Myasthenia Gravis, Necrotizing Fascilitis, Osteomyelitis, Poliomyelitis, Rabies, Sickle Cell Anemia, System Lupus Erythematosus (SLE), Systemic Sclerosis, Tetatnus, Tubercolis.
- Spouses and children (under age 26) can be covered.
- Plan is portable and can go with you when you leave the University.
- Critical Illness Certificate of Coverage & Plan Details
What does it cost?
It depends on your age, if you opt to cover your spouse and/or children, and whether you choose the $10,000 or $20,000 plan. The premium is deducted on a post-tax basis.
Rates (If you are paid biweekly, multiply the monthly rate shown by 12, then divide by 26 for your paycheck deduction amount.)
How do I enroll?
New employees may enroll within their first 30 days during their online onboarding process. Current employees may enroll online in Employee Self Service during an announced open enrollment period.
If you experience a qualifying event, you may have a special 30-day window to make changes to your coverage.
How do I file a claim?
Claims must be filed to UHC within 90 days following the diagnosis of a covered critical illness, but ideally within 30 days.
Claim forms to be added.
Can I keep coverage when I leave UAMS?
Yes, you have 31 days to “port” to a private policy. You will need to complete this form and send payment directly to UHC. Note that there is an employer section of this form that you will need to present to our office for completion and signature.
Benefit plan information on these web pages is in a summary format and is not intended to replace actual plan documents. UAMS reserves the right to amend or terminate all or any part of any benefit plan.