Medical insurance helps pay for healthcare, but an unexpected accident, serious illness, or hospital stay can bring additional expenses.
BrightSpring offers voluntary supplemental insurance options through Voya that can provide additional financial protection when you experience a covered event.
Accident Insurance
Extra Support After a Covered Accident
Accident Insurance pays specified benefits when you experience a covered accident on or after your coverage effective date.
The amount of the benefit depends on the covered accident, injury, treatment, or services received, as described in the policy.
Critical Illness
Financial Support Following a Covered Diagnosis
Critical Illness Insurance provides a lump-sum benefit if you are diagnosed with a covered illness or condition on or after your coverage effective date, subject to the terms of the policy.
Don’t Miss Your Wellness Benefit
If you’re enrolled in Critical Illness Insurance, review the Wellness Benefit each year. You may be eligible for a benefit when you complete an eligible health screening.
Hospital Indemnity
Additional Financial Support During a Covered Hospital Stay
Hospital Indemnity Insurance pays specified benefits for covered hospital stays on or after your coverage effective date.
Benefit amounts are determined by the type of covered facility or service and other applicable policy provisions.
Important: Hospital Indemnity Insurance is a limited benefit policy and does not replace your medical insurance.
Filing a Claim
Have a Covered Event? Don’t Forget to File Your Claim
If you’re enrolled in Accident, Critical Illness, or Hospital Indemnity coverage and experience an event you believe may be covered, review your Voya resources and applicable certificate for information about submitting a claim and required documentation.
Visit the Voya Benefits Portal
Important Plan Information
The information on this page is only a summary. Review the applicable certificate of coverage and other official policy documents for complete information about eligibility, covered events and conditions, benefit amounts, exclusions, limitations, claims requirements, and other policy terms.
2027 Rates:
Critical Illness:
Critical illness insurance rates are based on the amount of coverage selected.
Accident Rates:
| Coverage Tier | Monthly Rate |
|---|---|
| Employee Only | $5.81 |
| Employee + Spouse | $9.73 |
| Employee + Child | $11.53 |
| Employee + Family | $15.45 |
Hospital Rates:
| Coverage Tier | Monthly Rate |
|---|---|
| Employee Only | $18.00 |
| Employee + Spouse | $43.56 |
| Employee + Child | $29.39 |
| Employee + Family | $48.35 |
For plan information, certificates of coverage, flyers and details visit the BrightSpring/Voya portal. These plans are coverages you purchase in addition to your primary health plan to pay for care that’s not covered by the health plan.
