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Accidental injury and critical illness

We care about your wellbeing and want to make sure you have a steady source of income during times of unexpected illness or injury. That’s why we’re pleased to introduce two new ways to protect your family and your income: accidental injury and critical illness insurance. Cigna is our vendor for both optional policies. You can enroll in these voluntary benefits through PeoplePlace when you enroll for your other health benefits.​
 
Think about your regular expenses, big and small. What would happen if you couldn’t cover them? These plans provide additional financial protection for you and your family in case of a covered accident or illness:
  • Coverage can be elected for eligible family members
  • Lump-sum, cash payment to use as you see fit
  • No copays, deductibles, coinsurance, or networks; benefits are not coordinated with other coverage
  • Coverage available at affordable group rates and premiums are paid by payroll deductions
  • Guaranteed-issue available and no medical underwriting is required during annual enrollment, new hire enrollment or changes due to a qualified life event
  • Coverage is also portable with no change to benefits or rates should you ever leave the organization​

Accidental injury insurance

With Cigna accidental injury insurance, you get a benefit to help pay for costs associated with a covered accident or injury. It provides a lump sum payment to you, unless otherwise assigned, based on a schedule of covered injuries. The money can be used as you see fit—there are no copays, deductibles, coinsurances, restrictions or network requirements to satisfy.

Critical illness insurance

With Cigna critical illness insurance, you get a benefit paid directly to the covered person, unless otherwise assigned, if they are diagnosed with a covered critical illness. You choose how to spend or save your benefit. It can be used for expenses, such as paying for child care or help around the house, travel costs to see a specialist and medical treatment.

The plan pays a $50 wellness benefit if a covered health screening is performed (annual check up, colonoscopy, mammogram, etc.). If you elect coverage for your spouse or dependents, their benefit amount is 100% of your elected benefit amount.

 

This site summarizes the programs and benefits available to employees and their eligible dependents. Official plan documents, policies and certificates of insurance that contain the details, conditions, maximum benefit levels and restrictions on benefits govern our benefits program and are available on this site. In case of a conflict between this site and the official documents, the official documents prevail. The information on this site isn't a guarantee of benefits. Baylor Scott & White reserves the right to modify or terminate its employee benefit plans and programs at any time for any reason.

Click here if you have feedback on the website or need to report an issue. All other questions and issues, please contact the corresponding resource on the Need Help page.

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